vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-24 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: MD

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-09-24 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Evergreen Financial Services Inc.
State: WA

Complaint narrative:
I have faithfully been making {$100.00} payments every month to Evergreen Financial Services Without a missed payment. I received an e-mail from XXXX accounting on XXXX that Evergreen Financial sent them garnishment papers ( I never was informed prior ) and my checks will begin being garnished on week ending XXXX. As I was at work : I had my wife call them XXXX  and we made Another payment of {$210.00} on XXXXXXXX  and we thought everything was good per their ( XXXX  ) employee. My wife requested a breakdown of what we supposedly still owe from past medical bills as we have been paying {$100.00} a month for approx. a year ( They said, We do not have to provide/send that ). A day or so after asking Evergreen for a breakdown of owed bills ; My credit report took a hit for No Reason and Stated the XXXX just sent me to collections for past medical debts of {$2400.00}! I have never received a letter prior to being sent to collections ( which damaged my credit from Good to Fair Now )! I never received a letter prior to being sued and I Never received a letter or call about Garnishing my checks! They constantly harass myself and my wife even though I have been faithfully paying them {$100.00} every month before the end of the month and I have bank statements showing the {$100.00} withdrawals every month to Evergreen and bank notes on the {$210.00} I just paid on XXXX ; XXXX  then sent me to Collections to damage my credit a day or so after speaking with my wife and making the {$210.00} payment! This is XXXX XXXX XXXX and Evergreen will do everything they can to Ruin Peoples lives that have worked so hard To Fix their credit from past debts!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 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: NY

Complaint narrative:
These inquiries were not authorized by me, and I did not communicate with this under the specified date

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the XXXX. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( XXXX ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 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: CA

Complaint narrative:
On XX/XX/2024 I submitted a notice of dispute directly to your company because I was unaware of XXXX collection accounts on my credit report. In or around XX/XX/XXXX, I received a response from your company verifying my disputed information as accurate, However, I do not agree with that and I am demanding a reinvestigation. I am disputing under the FDCPA, Because I dont recall receiving any initial communication from any of these companies or my notice of debt contents from any of these companies pursuant to section XXXX of the fair debt collection practice act. I am demanding the company provide me with proof of initial communication and proof of delivery of my notice to debt contents PRIOR TO furnishing this negative information on my credit report before the completion of this XXXX  day investigation. The company can send proof to my address written above. If the company can not provide me with my requested demands before the ending of this XXXX day investigation I need you to delete from my credit report 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 non-monetary relief
Consumer complaint received 2024-09-24 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: TX

Complaint narrative:
I am filing this complaint against the CRA 'S due to XXXX XXXX XXXX XXXX XXXX XXXX ) trying to collect an alleged debt that has not been validated. The original creditor, XXXX XXXX has been sent a CFPB complaint. The alleged collection agency, XXXX XXXX has no verifiable information such as a website, phone number, address, and they are not listed on the CFPB or XXXX Additionally, XXXX XXXX has failed to provide their license to collect debts in the state of XXXX. After conducting my own search through the XXXX XXXXXXXX XXXX, I have found that XXXX XXXX XXXX is not registered to conduct business in XXXX. Their business transactions have also been forfeited in the state. These actions indicate that they are engaging in illegal business practices within the state. How are the CRA 's allowing an unregistered business to report on consumer reports? This is illegal. Given these violations, I am requesting the immediate removal of this tradeline from my credit report. Furthermore, the information reporting on my credit report is inconsistent between all XXXX credit bureaus. XXXX XXXX has also been accused of a loan churning scheme according to the CFPB and I will use this information in court.

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 2024-09-24 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:
My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a federal trade commission report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : 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 XXXXXX/XX/year> : XXXX XXXX section XXXX A. States I have the right to privacy. 15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my hand written instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Supported documents below ID UTILITY BILL FTC 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 2024-09-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
A debt collection agency by the name of PORTFOLIO RECOVERY XXXX has been reporting inaccurate as well as fraudulent information about me to CRAs. I resided in XXXX now XXXX  and they are not licensed to operate in either state. After initial contact to dispute and rectify their mistakes, they went about reporting new negative information that resides far from the truth and as a result my credit report went down XXXX in XXXX day across the board of CRAs. This is abusive and infringes on my rights and I would like this to be rectified ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-24 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:
My personal information has been compromised, and I am a victim of identity

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 2024-09-24 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: NY

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and XXXX XXXX that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2024-09-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC
State: CO

Complaint narrative:
I contacted Western Funding XXXX by phone at ( XXXX ) XXXX : requested detailed information about balance ( Was not provided ), I requested date & amount for payments since XX/XX/year> ( received this info ), I requested information about any additional fees ( not provided ), I requested information about my interest rate ( received this info ), I requested information about how the fee agreement was processed or if there was an agreement that I was not aware of for informed consent ( not provided ). 

I contacted XXXX XXXX XXXX  by phone twice at ( XXXX ) XXXX : requested detailed information about balance ( Was not provided ), I requested date & amount for payments since XX/XX/year> ( received this info ), I requested information about any additional fees ( not provided ), I requested information about how the fee agreement was processed or if there was an agreement that I was not aware of for informed consent ( not provided ). 



XXXX XXXX info : XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX info : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Transunion, XXXX, and XXXX XXXX Subject : Request for Removal of Inaccurate Information from Credit Report I am writing to dispute the following information on my Transunion credit report. The accounts in question are : Account Name and Number : XXXX XXXX XXXX XXXXXXXXThese accounts contain several inaccuracies that violate the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ) and 15 USC 1681i ( a ) ( XXXX ). According to these sections, all information on my credit report must be XXXX XXXX accurate across all three credit reporting agencies. If the information can not be verified as accurate, it must be corrected or removed. This inaccurate information is unjustly affecting my credit standing. Therefore, I request that you investigate this matter and remove the inaccurate information from my credit report. Enclosed are copies of my credit report highlighting the inaccuracies, as well as any supporting documentation. If my request is not fulfilled within XXXX to XXXX days, I will proceed with litigation to collect {$1000.00} in damages for each inaccuracy on my credit report, as permitted by law. Thank you for your prompt attention to this matter. Sincerely, 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 2024-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXX 's response is essentially a deflection of responsibility. XXXX XXXX and XXXX XXXX. Customer Service XXXX while they provide some general information about credit scores and how student loans can impact them, they avoid addressing the specific inaccuracies I pointed out in the initial letter. 

Key Issues in XXXX 's Response : Avoidance of Specific Issues : XXXX doesn't address the incorrect consolidation status or the presence of closed accounts from previous lenders. 
XXXX on XXXX XXXX XXXX : The response provides generic information about credit scores and how student loan payments affect them, but it doesn't address the specific errors XXXX highlighted. 
Misdirection : XXXX implies that the issues might be with the credit bureaus, not with their reporting, which could be a tactic to shift blame. 

To Whom It May Concern, Your nine-digit SSN XXXX XXXX  First and Last Name. XXXX XXXX XXXX XXXX XXXX of Birth. XXXX  I am writing to dispute inaccuracies on my credit report regarding my XXXX loan accounts. 

Upon reviewing my credit report, I discovered that XXXX has incorrectly reported the approved consolidation of my XXXX loans. Additionally, closed accounts from previous XXXX loan companies are being reported, which is inaccurate. I am no longer with XXXX. Double reporting of as XXXX. Consolidation from XXXX is currently reported. 

I request that these errors be corrected promptly. 

I have attached supporting documentation for your review. 

Thank you for your immediate attention to this matter. 

Please find the addendum attached for further details. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-24 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: OH

Complaint narrative:
To Whom It May Concern, I looking at my credit report, and I noticed errors with my personal information, misspelling of my actual name, wrong, unknown old previous addresses, and some non-accounts hard inquiries that I'm not XXXX XXXX  sure how it's here, and how you can mix such files. This is a big issue for me - Can you please fix it for me? As far as I know by reading the FTC, and FCRA laws and regulations, any other inaccurate and/or outdated information must be deleted immediately from my credit report as they are not reportable as per the FCRA, since they are inaccurate. These are the ONLY personal information that should be reported on my credit report : Incorrect Previous Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 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: MS

Complaint narrative:
These accounts were not authorized or initiated by me, and it is unjust for me to be responsible for them. I implore you to promptly correct this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 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: VA

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in 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 2024-09-24 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: VA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-09-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: NJ

Complaint narrative:
There are duplicating reports which caused my credit score to decrease by almost XXXX  points.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
My information was stolen somehow and someone got into my account and managed to take money out of my linked bank account and I can not get it any remedy or response getting shirts substantial losses from that the amount of {$3200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 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 checked my credit report this morning and saw unauthorized inquiries I can't explain. I thought it was a technical issue, but refreshing the browser didnt help, and the inquiries were still there. This is very concerning, and I demand immediate action and thorough review of the documents I sent to ensure this never happens again.

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