vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-20 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: FL

Complaint narrative:
I have not authorized, nor recognized the following inquiries. These statements are shown from 3 different credit bureau. 
As an action Ive placed a fraud alert on my credit with XXXX until l get to the bottom of this matter. 

XXXX XXXX unauthorized inquiries : XXXX XXXX : XXXX Inquiries date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiries date : XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Next somes of unknown inquiries are From Transunion XXXX XXXX inquiries XX/XX/XXXX XX/XX/XXXX XXXX XXXX inquiries XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX inquiries XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX inquiries XX/XX/XXXX XX/XX/XXXX The following are unauthorized mixed with unknown inquiries from lenders, banks, credit cards all without my knowledge. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX hard inquiries XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX inquire XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX inquiries XX/XX/XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX inquire : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX inquire XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX inquire XX/XX/XXXX XXXX XXXX XXXX  XXXX inquire XX/XX/XXXX XXXX XXXX XXXX XXXX inquire XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Following are credit cards inquiries unknown XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XXXX inquiries XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 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:
Recently, I looked at a copy of my credit report and noticed several incorrect accounts. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars and interest every month. It is my understanding that you will investigate these items for me to ensure accuracy. Here are the items I am Im asking you to verify as accurate : Account name : XXXX Account number : XXXX Account balance : {$56000.00} DATE OPEN:XXXX Account term : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 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: CA

Complaint narrative:
I recently looked at a copy of my credit report and noticed several inaccuracies on my account. I have written to this company to ask for an investigation. There has been no response in 60 days. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate.

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 2024-05-20 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: CA

Complaint narrative:
I recently looked at a copy of my credit report and noticed several inaccuracies on my account. I have written to this company to ask for an investigation. There has been no response in 60 days. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 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: NY

Complaint narrative:
The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/XXXX, I fell victim to a scam resulting in over {$10000.00} in fraudulent charges. The scammer had caller ID posing as Wells Fargo and already had information on my account. Eventually, he had me send {$10000.00} to my own XXXX XXXX account so he could take over my XXXX account and withdraw. 

I know, 100 % that this should have been avoided by me but that doesnt change the fact that my mistake shouldnt bankrupt me. I am completely broken after this. I have already escalated with senior management for fraudulent activity to which they offered no help.

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 2024-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lendmark Financial Services
State: CA

Complaint narrative:
I demand a cease and desist of all illegal activity pursuant to 15 USC 1692c ( c ) your cooperation is in clear violation of the FDCPA as well as my rights as a consumer under the Consumer Protection Act of 1962 they have not only used illegal communication tactics by illegally furnishing my information without permissible purpose but have also used mediums of communications that are unlawful such as the reporting of an alleged debt that they have never properly validated or verified in pursuant to 15 USC 1692G ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.

if this debt is not handled and removed from my report I will have no other option but to file a claim as stated through the consumer credit agreement any inaccuracy, deceptive, or unfair debt collection practices will be handled through arbitration. I am giving your company the chance to fix this before taking those steps and measures but I will if needed as it is very clear in the agreement we have which was not clearly nor conspicuously disclosed to me, I'm going to include the arbitration agreement we have

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 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: GA

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 nephew, 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 accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : Incorrect Name - XXXX XXXX XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX, GA, XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX, XXXX, GA, XXXX EMPLOYER - XXXX XXXX XXXX  EMPLOYER - XXXX XXXX EMPLOYER - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-05-20 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: GA

Complaint narrative:
To whom it may concern, I recently pulled my reports and noticed you are reporting the following account as paid as agreed ( OK ) from XXXX and XXXX is not reporting payment history at all. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Because the balances being reported by your company and Equifax are different, this means the account has not been properly verified. Please delete this account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 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: GA

Complaint narrative:
To whom it may concern, I recently pulled my reports and noticed you are reporting the following account as paid as agreed ( OK ) from XXXX and XXXX is not reporting payment history at all. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Because the balances being reported by your company and Equifax are different, this means the account has not been properly verified. Please delete this account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 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: OH

Complaint narrative:
I paid my XXXX XXXX XXXXXXXX account XX/XX/year> ( around this date ). I reported this to TransUnion and XXXX. XXXX corrected my credit report, but TransUnion refuses to and keeps noting my TransUnion credit report with false information. Remarks, placed for collection and Pay status, collections. This is false, the account was in collections and paid off in full. They keep stating the information is correct but it is not. I have submitted XXXX disputes so far and they refuse to correct this information. TransUnion is horrible.

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 2024-05-20 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: NH

Complaint narrative:
I am writing to formally dispute an incorrect address listed on my credit report. Despite my previous request to update this information more than 30 days ago, the incorrect address remains on my report. 

The incorrect address is : XXXX XXXX XXXX, XXXX, NH, XXXX The correct address should be : XXXX XXXX XXXX XXXX . XXXX, XXXX, NH, XXXX On [ date of initial request ], I submitted a request to update this information, along with supporting documentation. According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputes and correct any inaccuracies within 30 days. As of today, more than 30 days have passed without the requested correction. 

For your reference, I am including the following documentation : 1. A copy of the supporting documentation provided with my initial request ( e.g., utility bill, lease agreement, driver 's license ). 
2. A copy of my most recent credit report showing the incorrect address. 

I request immediate action to correct the address on my credit report. Please confirm in writing that the address has been updated correctly and provide me with an updated copy of my credit report reflecting this change. 

I appreciate your prompt attention to this matter and expect a resolution within the next 15 days. If this issue is not resolved promptly, I will consider filing a complaint with the Consumer Financial Protection Bureau ( CFPB ). 

Sincerely,

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 2024-05-20 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
I am filing this complaint against Regional Acceptance Corporation ( RAC ) for violating the Fair Debt Collection Practices Act ( FDCPA ) in the following ways : Failure to Provide Validation Information ( 12 CFR 1006.34 ( b ) ( 5 ) ) : RAC placed a collection account on my credit report without providing the required validation information within five days of initial communication, as mandated by 12 CFR 1006.34 ( b ) ( 5 ). 
Denial of Dispute Opportunity ( 12 CFR 1006.34 ( c ) ( 4 ) ( I ) ) : I have not been given a chance to dispute the validity of the debt, in violation of 12 CFR 1006.34 ( c ) ( 4 ) ( I ).

False, Misleading, and Deceptive Practices ( 15 USC 1681-S 2 ( 7 ) ( A ) ) : By reporting the debt without proper validation and denying me the opportunity to dispute it, RAC is using false, misleading, misrepresentation, and deceptive means to collect the debt, violating 15 USC 1681-S 2 ( 7 ) ( A ). 
Unauthorized Furnishing of Information ( 12 CFR 1006.34 ( d ) & 15 USC 1681a ( 2 ) ( a ) ( 1 ) ) : RAC has no authority to furnish this account to a credit reporting agency without providing the required disclosures by law. This is a clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681a ( 2 ) ( a ) ( 1 ). 
Consumer Transactions Exclusion ( 15 USC 1681a ( 2 ) ) : I understand that under the Fair Credit Reporting Act ( FCRA ) 15 USC 1681a ( 2 ) ( a ) ( 1 ), consumer transactions are excluded from consumer reports. However, this exclusion applies solely to information about transactions directly between the consumer and the reporting entity. It does not apply to collection accounts, which involve a third party attempting to collect a debt. 

Additionally, XXXX  scores and other risk scores are separate from consumer reports. While these scores may consider information from consumer reports, they are not themselves considered consumer reports under the FCRA. 

Regional Acceptance Corporation filed a 1099-C Debt cancellation with the IRS and still trying to collect a debt that is not mine. 


.

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 2024-05-20 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: MD

Complaint narrative:
There are some fraudulent inquiries on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-05-20 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have contacted the credit bureaus on multiple occasions regarding information on my credit report including my personal information. I am a XXXX and some of my fathers information is linking to my credit report. 

Subject : Dispute of Incorrect Information on Credit Report Credit Report Date : XX/XX/XXXX To Whom It May Concern, I am writing to formally dispute incorrect information on my credit report. According to my records, there are several inaccuracies in my personal information listed by your bureau. My correct details are as follows : Legal Name : XXXX XXXX XXXX XXXX Correct Address : XXXX XXXX XXXX, XXXX, GA XXXX Current Employer : XXXX XXXX The incorrect information listed on my credit report is as follows : TransUnion Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employer : XXXX XXXX XXXX  Name : XXXX XXXX XXXX XXXX XXXX Previous Address : XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX ( XX/XX/XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/XXXX ) Employer : XXXX XXXX XXXX XXXX XXXX Name : XXXX XXXX XXXX XXXX XXXX XXXX Previous Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX GA XXXX Employer : XXXXXXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ), I am entitled to have accurate information reported in my credit file. Section 611 of the FCRA ( 15 U.S.C. 1681i ) requires credit reporting agencies to correct or delete inaccurate, incomplete, or unverifiable information within 30 days of the dispute being filed. 

Please correct the above inaccuracies and send me a corrected copy of my credit report. Additionally, please confirm in writing that these corrections have been made. I have included copies of my driver 's license and a utility bill to verify my identity and current address. 

Thank you for your prompt attention to this matter. Please inform me once these changes have been made. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA 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 2024-05-20 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: GA

Complaint narrative:
I have contacted the credit bureaus on multiple occasions regarding information on my credit report including my personal information. I am a XXXX and some of my fathers information is linking to my credit report. 

Subject : Dispute of Incorrect Information on Credit Report Credit Report Date : XX/XX/XXXX To Whom It May Concern, I am writing to formally dispute incorrect information on my credit report. According to my records, there are several inaccuracies in my personal information listed by your bureau. My correct details are as follows : Legal Name : XXXX XXXX XXXX XXXX Correct Address : XXXX XXXX XXXX, XXXX, GA XXXX Current Employer : XXXX XXXX  The incorrect information listed on my credit report is as follows : XXXX Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employer : XXXX XXXX Experian Name : XXXX XXXX XXXX XXXX XXXX Previous Address : XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX ( XX/XX/XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/XXXX ) Employer : XXXX XXXX XXXX XXXX  XXXX Name : XXXX XXXX XXXX XXXX XXXX XXXX Previous Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX GA XXXX Employer : XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ), I am entitled to have accurate information reported in my credit file. Section 611 of the FCRA ( 15 U.S.C. 1681i ) requires credit reporting agencies to correct or delete inaccurate, incomplete, or unverifiable information within 30 days of the dispute being filed.

Please correct the above inaccuracies and send me a corrected copy of my credit report. Additionally, please confirm in writing that these corrections have been made. I have included copies of my driver 's license and a utility bill to verify my identity and current address.

Thank you for your prompt attention to this matter. Please inform me once these changes have been made. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 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: FL

Complaint narrative:
I am a victim of fraudulent information reporting and I am refiling this complaint to EQUIFAX. I am writing to appeal that you block the following false information from my credit report. The FTC report number related with this complaint is XXXX.I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.

Company response to consumer: Closed with non-monetary relief