vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-10 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX and this statement is being composed by me. In accordance with the Fair Credit Reporting Act ( FCRA ), m the accounts listed in this report should not be furnished on my reports. FCRA Section 604F prohibits a person/company from using or obtaining a consumer report unless the consumer uses the report and is obtained for a purpose for which the consumer report is authorized to be furnished under FCRA Section 161S-2 also states, that a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids nowing the information is inaccurate. Lastly, 15 USCZ 1681-4 consumer reporting agencies have assumed a vital role in assembling and reevaluating consumer credit. There is a major need to ensure that reporting agencies exercise their grave responsibility with respect for the consumers rights to privacy along with accuracy. I demand the removal of the account ; 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 2024-12-10 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX and this statement is being composed by me. In accordance with the Fair Credit Reporting Act ( FCRA ), m the accounts listed in this report should not be furnished on my reports. FCRA Section 604F prohibits a person/company from using or obtaining a consumer report unless the consumer uses the report and is obtained for a purpose for which the consumer report is authorized to be furnished under FCRA Section 161S-2 also states, that a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids nowing the information is inaccurate. Lastly, 15 USCZ 1681-4 consumer reporting agencies have assumed a vital role in assembling and reevaluating consumer credit. There is a major need to ensure that reporting agencies exercise their grave responsibility with respect for the consumers rights to privacy along with accuracy. I demand the removal of the account ; XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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: KS

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-10 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: KS

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2024-12-10 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: AZ

Complaint narrative:
I require your help to resolve the issue of an incorrect account on my credit report. This has been detrimental to my reputation as a customer, and I am asking for these accounts to be removed due to their inaccurate and negative reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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: AZ

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-10 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 a XXXX XXXX survivor and these accounts aren't mines please help me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-10 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 a XXXX XXXX survivor and these accounts aren't mines please help 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 explanation
Consumer complaint received 2024-12-10 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: AZ

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

"

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 2024-12-10 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: GA

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 response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: OLIPHANT FINANCIAL, LLC
State: MI

Complaint narrative:
I received a credit alert stating that a new collection was added to my credit report. I tried to locate the company is Oliphant USA , LLC I have tried to contact this company and have not been able to via XXXX searches. I am not familiar with this company, nor do I owe any debit to XXXX  as they are stating they are the original creditor. 

I opened a complaint with the XXXX  as well as a dispute with XXXX. I am reaching out as I believe this is fraudulent and do not understand how this company can add this collection to my credit report. 

I have been able to contact the company via a more in-depth XXXX search and was told that they are trying to collect a debit from XXXX  that occurred over 5 years ago, the gentleman ( XXXX ) told me it would be 6 years in XXXX of XXXX. He claims that email was sent as well as letters back in XXXX or, so I did not receive these so-called letters. I would have gladly paid the balance if it was mine. 
I asked about the dispute process, and they provided an email address to file my dispute, when asked about the process I was told it would go to the admin group. I asked if they would be reaching out to XXXX  to confirm the legitimacy of the complaint, and he said they might or not. 

I believe this is fraud and that they are trying to get any money that they can from people. I have also not received any initial communication from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: IL

Complaint narrative:
Cashapp won't give me my XXXX out of my old account I can't access

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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: FL

Complaint narrative:
Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXXXX/XX/year> Here I attach, along with the dispute, my fraud report that I just sent to Experian for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.

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 2024-12-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Synchrony had been refusing to credit the difference of XXXX to my account after several requests through email since XX/XX/XXXX. Ive requested provided them all evidence proving the discrepancies. Ashley furniture ( merchant ) had also sent copies of invoices and letter acknowledging the total charges to be {$2800.00} only and my statements showing charges still show {$3600.00}. 

In response to the letter and receipt in XX/XX/XXXX by Ashley FurnituresXXXX XXXX , the total invoice showing pictures of the items that were delivered should only have a total amount of {$2800.00} vs {$3600.00} grand total charged on my synchrony card. The {$3600.00} total signed by me is subject to deliveries of all items on the receipt. The {$2800.00} includes {$2000.00} ( invoice # XXXX, # XXXX & # XXXX ) & {$210.00} ( invoice # XXXX ) & {$590.00} ( invoice # XXXX ). In which the oversized ottoman for {$260.00} on invoice # XXXX is a wrong color too. Therefore, Im still missing {$800.00} credit from your company which is the difference of {$3600.00} & XXXX. 


Attached is the copy of the letter from XXXX/ XXXX XXXX account receivable department rep for your reference. This serves as my last request to credit my account {$800.00} and exchange of ottoman with the right color to match our queen sofa ( invoice # 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 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am writing to formally notify your bureau that I have been a victim of a data breach that has compromised my personal and financial information. As a result, I am requesting the immediate blocking and deletion of the accounts listed below in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts were opened without my knowledge or consent and are a direct result of the breach.

Please take the necessary steps to block and delete the following accounts : XXXX. XXXX XXXX - XXXX - XXXX : XX/XX/XXXX - Amount : {$40000.00} XXXX. XXXX XXXX XXXX - XXXX - Opened : XX/XX/XXXX - Amount : {$57000.00} XXXX. XXXX - XXXX - Opened : XX/XX/XXXX - Amount : {$7200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Opened : XX/XX/XXXX - Amount : {$51.00} XXXX. XXXX XXXX - XXXX - Opened : XX/XX/XXXX - Amount : {$9500.00} XXXX. XXXX XXXX - XXXX - Opened : XX/XX/XXXX - Amount : {$37000.00} XXXX. XXXX XXXX - XXXX - XXXX : XX/XX/XXXX - Amount : {$29000.00} XXXX. XXXX - XXXX - Opened : XX/XX/XXXX - Amount : {$17000.00}

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 non-monetary relief
Consumer complaint received 2024-12-10 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: NJ

Complaint narrative:
I'm writing to file a complaint about Experians failure to correct inaccurate addresses on my credit report, despite my prior request. The incorrect addressesXXXX XXXXXXXX XXXX, XXXX, NJ XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX appear, even though I asked for their removal. My correct address is XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX. This ongoing error causes frustration and violates the Fair Credit Reporting Act, which requires credit bureaus to ensure the accuracy of consumer information. I ask for immediate removal of the incorrect addresses and confirmation of this correction to resolve this matter fairly.

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 2024-12-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: WA

Complaint narrative:
Mohela services my loan. Prior to consolidation my loan was in Administrative forbearance under tye SAVE program. Upon consolidation, I requested the loan remain in the SAVE program or another income dependent program. This has not happened.

Also, my loan is not viewable online. I can not review its status on the Mohela website.

Mohela communicates with me via US Mail, but uses an obsolete address, even though my Mohela profile online has the correct address.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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:
I'm writing to communicate my XXXX  in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and 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 non-monetary relief
Consumer complaint received 2024-12-10 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: LA

Complaint narrative:
ACCT # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXddress : XXXX XXXX XXXX XXXX, LA XXXX Dear XXXX XXXX, I recently received a debt collection notice from your office with an account number XXXX, XXXX, XXXX, XXXX. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this

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 2024-12-10 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 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 2024-12-10 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: Fidelity National Information Services, Inc. (FNIS)
State: MA

Complaint narrative:
This letter serves as my formal demand under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ) for a complete validation of the debts you claim I owe, associated with the accounts listed above. Despite my prior requests, you have failed to provide sufficient evidence that these debts are mine, which violates my rights as a consumer. You are also violating my rights under 73 P.S. 201-1 et seq. ( Pennsylvanias Unfair Trade Practices and Consumer Protection Law ) by failing to provide transparency and accountability in your collection practices.you need to cease and desist all collection efforts Please find below my reasons for dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the following inquiies 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 2024-12-10 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: LEXISNEXIS
State: MA

Complaint narrative:
This letter serves as my formal demand under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ) for a complete validation of the debts you claim I owe, associated with the accounts listed above. Despite my prior requests, you have failed to provide sufficient evidence that these debts are mine, which violates my rights as a consumer. You are also violating my rights under 73 P.S. 201-1 et seq. ( Pennsylvanias Unfair Trade Practices and Consumer Protection Law ) by failing to provide transparency and accountability in your collection practices.you need to cease and desist all collection efforts Please find below my reasons for dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and the following inquiies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation