vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: NH

Complaint narrative:
On last today I lived in the building XXXX XXXX XXXX XXXX but I had a security breach of information in writing that I may still have however it was involving the beacon initially going to faculties outside of the organization and individuals already listed and other facilities obtained information that added to this. The actual breech letter I received was more recent than then in the last few years so it is likely minimally be flagged because information collected went to faculties and added to it. Yes I am presently having info or denied healthcare even if they say they do not deny anyone. How? Not accepting patients at this time. Please note I updated the phone number so I also found two numbers that belong to a separate facility. Should be noted that facility was one present during actual breech. I updated the number with equifax from the number here. So please note that I have a different number that I gave them to update to however for ftc I am unable to get incoming calls likely due to this reason and phone number listed here would be used but it took me 2 months to reactivate the phone number because social Worker XXXX would not help any which way. So equifax if agent took alt number keep that one for now as it is but I do have access to voicemail if FTC or others call. Thank you otherwise I do not give out any longer the phone number except in person or phone or writing. I will not online. So either way what was updated is for a reason with confirmation # XXXX Otherwise bank at present said that theyalready have my personal information so purchasing a monitoring would not be advised either way but Illuded to no.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: CA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-12-28 00:00:00
Product: Debt collection — Rental debt
Issue: Electronic communications — Frequent or repeated messages
Company: RentDebt Automated Collections, LLC
State: NJ

Complaint narrative:
Contacted multiple times in the morning and late in the evenings due to the alleged debt. Also, have received multiple text message pertaining to the same issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: FL

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: NV

Complaint narrative:
Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by 1637 ( b ) Statement required with each billing cycle is mailed or delivered to the consumer not later than 21 days before the payment due date.

The items below should all be updated to paid as agreed on my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
Dear LVNV Funding LLC, I am writing in response to your recent communication regarding the debt referenced above. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you validate the alleged debt to ensure it is accurate and legitimate. 

Please provide the following information : 1

. Proof that you own or have been assigned the debt.

2. A detailed account of the amount owed, including the original debt amount, any interest, fees, or other charges.

3. The name and address of the original creditor.

4. Documentation showing that I agreed to pay the alleged debt.

5. A complete payment history, including proof of any payments made and how they were applied.

Additionally, until this debt is validated, I request that you cease all communication with me except to provide the requested information.

Please note that under the FDCPA, you are required to provide this information before pursuing any further collection efforts. Failure to comply may be reported to the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ).

This letter is not an acknowledgment of the debt or an agreement to pay it. I reserve all rights, including the right to dispute the debt.

Thank you for your attention to this matter. Please respond within 30 days of receipt of this letter. 

Sincerely, [ XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: NY

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-12-28 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  SC XXXX 

DEBT IS XXXX  THIS COMPANY NEVER PROVIDED PROOF OF THIS AND ITS REPORTING ON MY CONSUMER REPORT AND I WOULD LIKE IT REMOVED FROM ALL CREDIT REPORTING AGENCY

UNDER THE ACT OF 15 USC 1692 SEC 809 (b)

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 2024-12-28 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  SC XXXX  

DEBT IS XXXX  THIS COMPANY NEVER PROVIDED PROOF OF THIS AND ITS REPORTING ON MY CONSUMER REPORT AND I WOULD LIKE IT REMOVED FROM ALL CREDIT REPORTING AGENCY

UNDER THE ACT OF 15 USC 1692 SEC 809 (b)

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
On XXXX XX/XX/year> a friend of mine posted on XXXX that she was selling items because her uncle was going to a long term care facility. I spoke to her on XXXXXXXX XXXX and decided to purchase a 10x20 dog kennel. I sent the money via XXXX through my bank XXXX XXXX. I received a txt message an hour later from my friend XXXX and it turns out her XXXX was hacked and it was a scam. I called XXXX XXXX and they said they would not be able to get my {$200.00} back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: MS

Complaint narrative:
XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX I am writing to formally dispute an unauthorized credit inquiry that appears on my credit I did not authorize this credit inquiry, nor did I apply for credit with the above-mentioned creditor. Under the Fair Credit Reporting Act, I can dispute information I believe is incorrect or incomplete.

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 2024-12-28 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
XXXX XXXXXXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXXXXXX XXXX XXXX  XX/XX/year>, XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX, XXXX XXXX XXXX I am writing to formally dispute an unauthorized credit inquiry that appears on my credit I did not authorize this credit inquiry, nor did I apply for credit with the above-mentioned creditor. Under the Fair Credit Reporting Act, I can dispute information I believe is incorrect or incomplete.

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 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 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: NC

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-12-28 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: AZ

Complaint narrative:
For the last 6 months I have been disputing the hard inquiries that were not authorized, submitted a fraud form which they asked me to do. Called multiple times and no one was able to help me. They kept requesting me to do some very stressful process to file a police report, file a fraud claim, etc., this is insane when these agencies do not cooperate and do not do their job for the consumer. They our private " secure '' information gets hacked through their systems. Transunion has not updated my correct credit score information properly and therefore causing adverse action against me when this could be taken care of at the time of the first original call 8 months ago. This should not have come 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 2024-12-28 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: LA

Complaint narrative:
this complaint has been going on far too long dealing with XXXX, equifax, and XXXX  reporting my information without my consent, per 15 usc 6802, the privacy act of 1974 and it has damage my credit this year keeps me in XXXX because of bad credit. they are reporting non-mailable addresses see attachments

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 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: LA

Complaint narrative:
this complaint has been going on far too long dealing with XXXX, XXXX, and experian reporting my information without my consent, per 15 usc 6802, the privacy act of 1974 and it has damage my credit this year keeps me in XXXX because of bad credit. they are reporting non-mailable addresses see attachments

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 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Equifax reporting a incorrect employment Phone number

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX GA XXXX TRANSUNION Subject : Dispute of Unauthorized Account Due to Identity Theft DearXXXX I am writing to formally dispute an unauthorized account/transaction that appears on my [ credit report/account ]. I believe this account/charge is the result of identity theft. 



The unauthorized account/transaction is as follows : Creditor/Company Name : XXXX This account/transaction is not mine, and I did not authorize its opening/processing. I request that you immediately : 1. Investigate this matter under the Fair Credit Reporting Act ( FCRA ).

2. Remove the fraudulent account/transaction from my credit report/account.

3. Provide written confirmation of the results of your investigation.

To support my claim, I have included the following documents : A copy of my government-issued ID ( e.g., drivers license ).

A copy of my utility bill or other proof of address. 

A copy of the police report or Identity Theft Affidavit filed with the FTC. 

A copy of my credit report highlighting the disputed account ( if applicable ). 



Please investigate this matter promptly and notify me of your findings. You may contact me at [ XXXX ] or [ XXXX, XXXX ] if you require additional information. 



Thank you for your attention to this urgent matter. 



Sincerely, [ 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 2024-12-28 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: GA

Complaint narrative:
Credit reporting agencies violating HIPPA LAWS y illegally reporting illegally obtained medical information from a 3rd party without my consent.

Violated FCRA 15 USC 1681 Section 602a Right To Privacy

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 2024-12-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commercial Acceptance Company
State: PA

Complaint narrative:
My information was sold to the collection companies and I did not give any permission for it to be sold. The amount is {$960.00}. I have no knowledge of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  SC XXXX  

DEBT IS XXXX THIS COMPANY NEVER PROVIDED PROOF OF THIS AND ITS REPORTING ON MY CONSUMER REPORT AND I WOULD LIKE IT REMOVED FROM ALL CREDIT REPORTING AGENCY

UNDER THE ACT OF 15 USC 1692 SEC 809 (b)

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 2024-12-28 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: W&A Intermediate Co., LLC
State: MI

Complaint narrative:
According to the Fair Credit Reporting Act 15 USC 1681 sec 602a states " there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy '' backed by 15 USC 6801. As an aggrieved man pulling the credit file, I noticed that WAKEFIELD & ASSOCIATES INC, account XXXX XXXX entity id XXXX XXXX its associates : " WAKEFIELD COLLECTIONS INC, Wakefield & ASSOCIATES LLC '' that's under colorado laws, has caused injury and violated XXXX XXXX XXXX consumer and privacy laws by reporting inaccurate, false and misleading information to XXXX, XXXX, AND XXXX ; and has not sent proper notice and caused tangible and intangible injury to the point credit can not be extended for personal and household use. the multiple violations include : 1. Violation of the Fair Credit Reporting Act 2. Violation of the Fair Debt Collection Practices Act 3. Defamation of Copywritten Character 4. Violation of The Privacy Act of 1974 5. Violation of the FTC 6. Any and all injuries tangible and intangible sustained due to lack of following proper procedure

Company response to consumer: Closed with explanation