vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-31 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: AL

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. 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 as proof of my identity and my Proof of Address.

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 2025-01-31 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: AL

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. 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 as proof of my identity and my Proof of Address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: FL

Complaint narrative:
I am filing a formal complaint against Experian and XXXX XXXX for violating the Fair Credit Reporting Act ( FCRA ) by continuously misreporting my XXXX  XXXX account as a current charge-off each month, despite the account being charged off over six years ago. This ongoing misrepresentation is artificially suppressing my credit score and leading to repeated denials when I apply for credit.

Background of the Issue : The account was opened in XXXX. 
I entered a payment agreement on XX/XX/XXXX ( see attached documentation ).

Due to financial hardship, I was only able to maintain the payment plan for four months.

The account was charged off on XX/XX/XXXX. 
Despite the charge-off date, XXXX XXXX has continued reporting the account as a current charge-off every month, which is inaccurate and misleading.

FCRA Violations : Violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) : Furnishers of credit information must not report inaccurate or misleading information. XXXX XXXX is re-aging the charge-off by continuing to update the account monthly, which is unlawful.

Violation of 15 U.S.C. 1681c ( a ) ( 4 ) : The FCRA limits the reporting of derogatory information to seven years from the original delinquency date. However, XXXX XXXX and Experian have been updating this account as a recent charge-off, making it appear as if the delinquency is ongoing.

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 2025-01-31 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: LA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent Items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any Items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BALANCED {$5700.00} XXXX XXXX XXXX BALANCED {$500.00} XXXX XXXX XXXX BALANCED {$16000.00} XXXX XXXXXXXX BALANCED {$22000.00} XXXX XXXX XXXX BALANCED {$600.00} XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX XXXX BALANCED {$8800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-01-31 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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 AN ALLEGED IDENTITY THEFT.

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-01-31 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: NC

Complaint narrative:
I recently reviewed my credit report and noticed it was spme fraudulent activity on my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
Affirm money account is frozen. Was trying to withdraw my money from account and then received email that account is frozen and need to provide more information. I provided the asked information and company still has my account frozen and I am unable to withdraw my full balance of {$4900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: NC

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is not my inquires asking it to be remove 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 2025-01-31 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is not my inquires asking it to be remove from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
The company Midland Credit Managemen has placed this account on my credit report, but it is not my account. The following is the information on my credit report MIDLAND CREDIT MANAGEMEN Last reported XX/XX/year> {$3400.00} Open balance

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: NC

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Experian and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-01-31 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: TX

Complaint narrative:
All delinquent accounts from XXXX and any other creditors that have been banned and misreported my Information. All medical bills and credit cards company. XXXX and XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2025-01-31 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: PA

Complaint narrative:
XXXX XXXX XXXXXXXX inquiry on XX/XX/year> was not authorized by me and needs to be deleted 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
Consumer complaint received 2025-01-31 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: NY

Complaint narrative:
I HAVE BEEN A VICTIM OF IDENTITY THEFT DUE TO XXXX DATA BREACH NOW I DO HAVE ACCOUNTS THAT DO NOT BELONG TO ME THAT ARE BEING VERIFIED BY THE CREDIT REPORTING AGENCIES FURTHERMORE IT IS BEING REPORTED AS CHARGED OFF IN WHICH THEY DENY TO SSUE TAX DOCUMENT

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 2025-01-31 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I HAVE BEEN A VICTIM OF IDENTITY THEFT DUE TO XXXX DATA BREACH NOW I DO HAVE ACCOUNTS THAT DO NOT BELONG TO ME THAT ARE BEING VERIFIED BY THE CREDIT REPORTING AGENCIES FURTHERMORE IT IS BEING REPORTED AS CHARGED OFF IN WHICH THEY DENY TO SSUE TAX DOCUMENT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: WA

Complaint narrative:
I was XXXX  from XXXX XXXX XX/XX/XXXX. My house got broken into where my purse, wallet, and phone among other things were stolen. My debit card was used all these days spending XXXX dollars. I filed a dispute on the XXXX and they denied it. When I asked for the evidence they used they sent me over the intake form and then the documents I sent them. I asked them to re open it and asked them to send me the documents again that they used and they sent me the same documents. They could not explain why I was only getting those documents. So on XX/XX/XXXX I called them back and asked to talk to a supervisor and XXXX got on the phone and said the same thing as the employee did. He told me I should call all the merchants myself instead of re opening my claim and then told me I needed more evidence to re open the claim. I told them I went to 2 of the merchants and got half of my refund back until they complete their own investigation. They denied my claim for the 3rd time and im fed up with them

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
THIS COMPANY REPORTING IN MY CREDIT REPORT DEROGATORY ITEMS SKED TO BE REMOVED AND NEVER GET CONTACTED HOWEVER THEY VIOLATE THE CEASE AND DECEIT PLACED 5 MONTHS AGO

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: TX

Complaint narrative:
i have orginaly disputed tems over 2 months ago let equifax know I am a victim of ID theft sent police case number, id theft report and i ourchased XXXXXXXX XXXX  to check credit and they havent done anything inquiries stillthere and inaccurate information. i tried to pull my report with my annual and it wont allow me they have already broken the 30 day law i havent recieved anything in the mail either

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Investment Retrievers, Inc.
State: NV

Complaint narrative:
809 { b ) that your claim is disputed and validation is requested.

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 
Please provide me with the following : * What the money you say I owe is for : * Explain and show me how you calculated what you say I owe : * Provide me with copies of any papers that show I agreed to pay what you say I owe : * Provide a verification or copy of any judgment if applicable : * Identify the original creditor : * Prove the Statute of Limitations has not expired on this account : * Show me the you are licensed to collect in my state : * Provide me with your license numbers and Registered Agent or Agent of Service - **Reporting** : The 1099-C form must be sent to both you and the IRS. The form reports the amount of debt forgiven, which you generally must include as income on your tax return unless you qualify for an exclusion Section 6050P of the Internal Revenue Code ( 26 U.S.C. 6050P ) requires financial institutions to file a 1099-C form with the IRS when a debt is canceled or discharged. This form is used to report the cancellation of a debt of {$600.00} or more to the debtor XXXX XXXX, like any creditor, is required to issue a Form XXXX to you if they cancel or write off a debt of {$600.00} or more. Here are the key points : - **Debt Amount** : If XXXX XXXX XXXX XXXX a debt amount of {$600.00} or more, they are obligated to send you a Form 1099-C to report the canceled debt as income to the IRS.

- **Identifiable Event** : The IRS specifies certain " identifiable events '' that trigger the issuance of a 1099-C. These include the creditor 's decision to discontinue collection activity and discharge the debt, among other events like bankruptcy or foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: IN

Complaint narrative:
I have really two more complaints other than them not taking any responsibility for their role in the data breech and my information being tossed around. They use the word alleged identity theft. I was again going on over my credit report preparing myself for the next surprise and seen a child support report from Experian that I knew was incorrect. Experian had reported that I havent made any payments in years knowing that to be not true I disputed it. Within 48 hours I think closer to 24 hours they already had a decision that it was accurate information. Obviously there was no investigation done. My dispute was on the accuracy of there report not any amount. I was under the impression through FCRA Experians main job is to report accurate information. A simple phone call or message asking if any payments were made in XXXX  would have all proven me right. I know to them this is minor but to me its my life. Second I disputed inquires I have 9 hard individual inquiries within a short period of time. XXXX had XXXX problems but Experian immediately validated. Its like they get my dispute and at most do a halfway check go of whos ever word and validate.

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 2025-01-31 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: TX

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer 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 2025-01-31 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: TX

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
Hi, This company is trying to collect utilities debt from XX/XX/year> to XX/XX/year>. 

Our lease agreement ended XX/XX/year>. We were not residents and this debt is not ours. 

This organization is unlawfully attempting to collect a debt that is not ours and has illegally damaged my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: GA

Complaint narrative:
I am filing this complaint under The Fair Credit reporting Act ( FCRA ) due to the willful noncompliance of the credit bureaus and data furnishers in properly investigating my disputes, as required under 15 U.S.C. 1681 and 15 U.S.C 1681s-2 ( b ). Despite my repeated submissions of disputes containing sufficient documentation to demonstrate inaccuracies. XXXX XXXX account XXXX has been disputed several times. This account has been opened fraudulently. The credit bureaus have failed to conduct a reasonable investigation and have continued to report inaccurate information on my credit report. Furthermore the data furnishers have neglected their legal obligation to investigate the disputed information when notified by the credit bureaus. This failure to uphold their responsibilities under the FCRA constitutes a violation of my consumer rights.

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 2025-01-31 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: SC

Complaint narrative:
I recently received a copy of my report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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