vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2024-12-18 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: GA

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2024-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
MY NAME IS XXXX XXXX MY SOCIAL SECUIRTY # XXXX I REVIEWED MY CREDIT PROFILE FOR THE FIRST TIME AND NOTICED I HAVE UNAUTHORIZED INQUIRIES AND AN ACOUNT THAT WAS NEVER MINE, PLEASE HELP I HAVE BEEN A VICTIM OF FRAUD AND MY INFORMATION WAS LEAKED WITH THE DATA BREACH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX REVIEWED MY CREDIT PROFILE FOR THE FIRST TIME AND NOTICED I HAVE UNAUTHORIZED INQUIRIES AND AN ACOUNT THAT WAS NEVER MINE, PLEASE HELP I HAVE BEEN A VICTIM OF FRAUD AND MY INFORMATION WAS LEAKED WITH THE DATA BREACH 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 explanation
Consumer complaint received 2024-12-18 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:
MY NAME IS XXXX XXXX MY SOCIAL SECUIRTY # XXXX I REVIEWED MY CREDIT PROFILE FOR THE FIRST TIME AND NOTICED I HAVE UNAUTHORIZED INQUIRIES AND AN ACOUNT THAT WAS NEVER MINE, PLEASE HELP I HAVE BEEN A VICTIM OF FRAUD AND MY INFORMATION WAS LEAKED WITH THE DATA BREACH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX REVIEWED MY CREDIT PROFILE FOR THE FIRST TIME AND NOTICED I HAVE UNAUTHORIZED INQUIRIES AND AN ACOUNT THAT WAS NEVER MINE, PLEASE HELP I HAVE BEEN A VICTIM OF FRAUD AND MY INFORMATION WAS LEAKED WITH THE DATA BREACH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 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: CA

Complaint narrative:
I am writing to formally request the blocking and deletion of the following account from my credit file as I am a victim of a data breach that resulted in the unauthorized use of my personal information. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to request the immediate removal of fraudulent accounts. 
XXXX XXXX XXXX XXXX XXXX XX/XX/year> - {$950.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 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: CA

Complaint narrative:
I am writing to formally request the blocking and deletion of the following account from my credit file as I am a victim of a data breach that resulted in the unauthorized use of my personal information. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to request the immediate removal of fraudulent accounts. 
XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> - {$950.00}

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 2024-12-18 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.

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 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: MS

Complaint narrative:
I pulled my credit report on XXXX, XXXX XXXX, and I notice there is a charge off on my credit report. for being reported by Transunion, XXXX, and XXXX XXXX, I notice inconsistent information as it relates to the account. The date of last activity on this account, Transunion is reporting XX/XX/XXXX, XXXX is reporting XX/XX/XXXX, XXXX is reporting XX/XX/XXXX, However the Last reported date is reporting as XX/XX/XXXX. This indicates some re-againg or manipulation of the dates which would violate FCRA 15 U.S.C 1681s-2 ( a ) ( 3 ) - ( a ) ( 4 ) which prohibits furnishers from re-aging a debt to extend the reporting period, and falsely representing the date amount or status of the debt.

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 2024-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Richard Stone & Associates
State: TX

Complaint narrative:
In XX/XX/XXXX I received services from biohazard cleaning services from XXXX XXXX XXXX XXXX resulting from my brother 's death. His death was XXXX of the most traumatic experiences of my life, and required professional services to properly clean his home in preparation for sale. A claim was filed with the home insurer, XXXX XXXX, and I paid the deductible. Last week, on XX/XX/XXXX, I received a call from XXXX XXXX at XXXX XXXX and XXXX, a debt collector, advising me that I owed {$8300.00} in principal and fees for this service. XXXX XXXX advised me that this was an offer he was making to me to help me settle this debt and that the full amount was over {$12000.00}. 

As these services were rendered well over XXXX years ago, I had to do some research to understand exactly what happened, why I owed this amount and why this was the first I heard of it ( XXXX Techs had my contact information and had informed me at the time of service that they would be working with XXXX XXXX directly. I would not need to pay more than the {$500.00} deductible ). I confirmed with XXXX XXXX that they had paid {$9200.00} in XX/XX/XXXX. I asked for the explanation of benefits to be sent to me and was advised that the XXXX would contact me. I emailed XXXX XXXX and advised him of this status, and that I would follow up soon. 

I received a second call from XXXX XXXX regarding this matter today. In this call I tried to explain that I wanted to see the original bill owed to understand the discrepancy, as I had not expected the original charges to exceed {$12000.00} and {$9200.00} had already been paid. Very quickly into this conversation XXXX XXXX became abusive. He began to yell at me and said, among other things, that I was just trying to hold onto this money until after XXXX, that what I was doing was what thieves do, and that I was engaging in misappropriation of funds. I tried to explain that I did not think any reasonable person would pay a debt without understanding where it came from, and eventually he hung up on me. 

After this conversation I called XXXX XXXX again, and am still waiting on a return call. I then called XXXX Techs to at least understand what the original bill amount was, and learned to my surprise that XXXX XXXX and XXXX was not supposed to contact me at all for this debt at all, and should be negotiating solely with XXXX XXXX. I was only to pay the {$500.00} deductible that I already paid on XX/XX/XXXX. 

The hostility and abusiveness with which XXXX XXXX treated me is reflectiv e of some of the most predatory debt collection practices I have ever heard of. It was clear he was trying to scare me into paying a debt that I did not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: IL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "

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 2024-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
My Experian credit report is showing a charge off on a loan that has been satisfied Wells Fargo dealer services will not fix it. I believe it to be a clerical error and theyre telling me its not. I have paperwork proving that the loan has been paid in full provided by them, but it doesnt appear to be an actual lien release like Im used to seeing from other bank lenders. It shows up on my credit report as a charge off and it is affecting my abilities to obtain loan.

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 2024-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-12-18 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: NY

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 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 proofofmyidentity and my Proof of Address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 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: FL

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern.

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 2024-12-18 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: TN

Complaint narrative:
I strongly recommend removing this suspicious entry from my credit report. It is not mine, and its presence is very concerning. Please take the necessary steps to correct this inaccuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My chase business account was used for automatic payments to individual credit card accounts at XXXX, XXXX XXXX and a few smaller banks, I did not authorize these payments nor do I know the individual account holders of the accounts that the payments were being made to. This happened over a 6 month period and happened XXXX times as I was not aware this was occurring until we started to run out of money in the account. Chase only helped out with about {$12000.00} of payments. {$54000.00} was in fact stolen over this period of time. The fact that we have the tracing numbers and the transaction details of every transaction, should allow them to contact the account holder of the credit cards being paid, but chase will not help with this. When we tried to contact XXXX and XXXX XXXX, they would not do anything at all to help. Please step in so I can tried to get back the money that was stolen. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: Atlanticus Services Corporation
State: GA

Complaint narrative:
I am disputing the accuracy of this account as it appears on my credit report. The balance and charge-off status reported are incorrect, as the account was fully resolved previously. This erroneous information is negatively affecting my creditworthiness, and I am requesting an immediate investigation. Please update my credit report to remove this inaccurate entry and notify me once the correction has been made. It is critical that my credit report accurately reflects my financial history.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Subject : Dispute of Inaccurate Credit Report Entries from XXXX XXXX XXXX. 
Dear Sir/Madam, I am writing to file a formal dispute regarding inaccurate credit report entries from XXXX, XXXX XXXX have been reported to my credit file. Specifically, I have discovered XXXX accounts from XXXX XXXX XXXX reporting late payments dating from XX/XX/XXXX to the present. I am concerned that these entries are fraudulent, as I have never opened any accounts with XXXX, XXXX. 
Upon reviewing my credit report, I was alarmed to find that these accounts were linked to my personal information, and late payments have been reported that I did not incur. I believe that my personal identification ( ID ) has been compromised, and that someone may have opened these accounts fraudulently in my name without my knowledge or consent. 
I have already attempted to resolve this issue directly with XXXX XXXX XXXX, but unfortunately, my efforts have not resulted in any resolution or assistance from the company. Additionally, I have contacted XXXX, XXXX of the major credit bureaus, to dispute these entries and provided them with all necessary documentation to verify my claims. However, despite these efforts, the accounts remain on my credit report. 
I would like to formally request that these accounts be deleted from my credit report, as they were opened without my consent and I did not authorize any third party, including XXXXXXXX XXXX XXXX, to share my personal information. As a consumer, I am entitled to have accurate and fair information reported about my credit history, and I am requesting that you assist me in rectifying this matter. 
Please investigate this situation promptly and ensure that these fraudulent accounts are removed from my credit file. I have attached relevant documentation, including my dispute correspondence with XXXX XXXX XXXX, and my communication with XXXX, to support my case. 
Thank you for your attention to this matter. I trust that you will take the necessary steps to protect my rights as a consumer and to assist in the removal of these fraudulent accounts from my credit report. 
Sincerely, XXXX XXXX XX/XX/XXXX XXXX FTC Report XXXX XXXX

Company response to consumer: Closed with explanation