vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-07 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:
To Whom It May Concern, I am writing to formally lodge a complaint against XXXX XXXX at XXXX XXXX and XXXX XXXX XXXX, Transunion, XXXX XXXX XXXX regarding their inaccurate reporting of a debt that does not belong to me. The reported debt of {$6500.00} has been erroneously attributed to me and has been adversely affecting my credit profile for an extended period. 

In XXXX XXXX, I entered into a corporate lease agreement with XXXX XXXX XXXX XXXX XXXX for my XXXX  business, which did not include a personal guarantee. Attached herewith is proof of the original lease application clearly indicating the business nature of the debt. It is imperative to note that this debt pertains solely to my business and should not be reflected on my personal credit report. On top of the fact that this was a business debt, this debt was for a business I do not own, I was just a member of the business completing the application as authorized. 

I hereby request that all major credit reporting agencies promptly remove this inaccurate data from my credit report. Additionally, I am seeking compensation in the amount of {$1000.00} for the inconvenience, financial hardship, and violation of my rights under the Fair Credit Reporting Act ( FCRA ). Despite my direct disputes and requests for investigation, the credit bureaus have failed to conduct proper investigations and update their records accordingly, further exacerbating the financial impact and stress caused. 

I expect a thorough and expeditious investigation into this matter, compliance with FCRA guidelines, and prompt resolution of the inaccuracies on my credit report. Please acknowledge receipt of this complaint and provide me with a timeline for resolution. 

Thank you for your prompt 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 2024-08-07 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: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally lodge a complaint against XXXX XXXX at XXXX XXXX and XXXX XXXX XXXX, XXXX, Equifax XXXX XXXX regarding their inaccurate reporting of a debt that does not belong to me. The reported debt of {$6500.00} has been erroneously attributed to me and has been adversely affecting my credit profile for an extended period. 

In XXXX XXXX, I entered into a corporate lease agreement with XXXX XXXX XXXX XXXX XXXX for my XXXX  business, which did not include a personal guarantee. Attached herewith is proof of the original lease application clearly indicating the business nature of the debt. It is imperative to note that this debt pertains solely to my business and should not be reflected on my personal credit report. On top of the fact that this was a business debt, this debt was for a business I do not own, I was just a member of the business completing the application as authorized. 

I hereby request that all major credit reporting agencies promptly remove this inaccurate data from my credit report. Additionally, I am seeking compensation in the amount of {$1000.00} for the inconvenience, financial hardship, and violation of my rights under the Fair Credit Reporting Act ( FCRA ). Despite my direct disputes and requests for investigation, the credit bureaus have failed to conduct proper investigations and update their records accordingly, further exacerbating the financial impact and stress caused. 

I expect a thorough and expeditious investigation into this matter, compliance with FCRA guidelines, and prompt resolution of the inaccuracies on my credit report. Please acknowledge receipt of this complaint and provide me with a timeline for resolution. 

Thank you for your prompt attention to this urgent matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 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: TX

Complaint narrative:
This account was fraudulent, I have reached out to the business and we settled this in court. This account should be deleted.

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 2024-08-07 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: NJ

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

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 2024-08-07 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: IN

Complaint narrative:
I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.

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 2024-08-07 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: IN

Complaint narrative:
I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.

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 2024-08-07 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: CL Holdings LLC
State: FL

Complaint narrative:
Jefferson Capital Syst XXXX XXXX XXXX XXXX XXXX, MN XXXX Account number : XXXX According to Statue 15 USc 1692 C If a consumer notifies a debt collector that the consumer refuses to pay a debt, the debt collector must see all communications.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 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: CA

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: FIRST ADVANTAGE CORPORATION
State: NV

Complaint narrative:
I have received a background check report from an employer. I noticed that on my report, when they checked my different addresses for crimes, they have several addresses that I've never been to in other states. I believe Someone else is using my information/identity and social that I used for the background check. I am very concerned and not sure what to do about this. If you need to call my number is XXXX, and address is XXXX XXXXXXXX XXXX XXXX XXXX XXXX NV, XXXX Address incorrect ; XXXX. XXXX, XXXX, NJ XXXX. XXXX, XXXX XXXX, XXXX XXXX. XXXX, XXXX, PA

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: MS

Complaint narrative:
I recently noticed a collection on my credit file which I do NOT recognize. I have not been sent any debt validation letters to this company nor have I received any calls or communication of any kind from this company. I have NEVER done business or received any good or services from this company. I DO NOT HAVE A CONTRACT WITH THIS COMPANY. And because I've done my research, this company seems to be a possible client of another collection company by the name of National Debt Holdings. I also do NOT have a contract with National Debt Holdings either and have never done any business with either of these companies. I tried to file a dispute by certified mail with XXXX XXXX XXXX XXXX at the address that was listed on my credit file and it returned to me as undeliverable. I sent another certified letter to the address they listed on their website and it was Delivered on XX/XX/year> and signed for by XXXX. in that letter, I requested a HIPAA document signed in WET INK by myself as well as proof that they contacted me with a debt validation letter and copy of a contract stating that I have business with this company or any other " client '' that they represent to my current address as required by FDCPA regulations. A consumer has 30 days to validate the debt BEFORE a collection agency can furnish information to any credit reporting agencies. This did NOT happen. THIS IS A VIOLATION. I also requested for documentation of their rights and license information that they are authorized to collect a debt in my state. I have received nothing at all. 

Be aware that furnishing information to credit reporting agencies without allowing the customer to validate the debt or even notifying the consumer of such debt is a violation of federal regulations. Also furnishing incorrect or unvalidated information to credit reporting agencies after the consumer has notifed you that it is inaccurate is a clear violation of FCRA 623 subsection B. The Fair Credit reporting act provides rights to legal and financial relief from companies violations of these laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 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: PA

Complaint narrative:
I submitted a complaint to the CFPB against Equifax because after several hours and phone calls of trying to get help with creditors not being able to obtain my credit report I became frustrated. 

Equifax replied that they would look into in it. It still has not been resolved but now today my credit score dropped XXXX points!!! No new credit or deliquencies have been reported. My other XXXX reports are reporting an accurate score. So now not only is my credit not able to be pulled ( it isn't fixed ) they now decreased my score while trying to fix it. 

This is unfair and something is clearly wrong here. I can not get help. I call no help. I send a complaint to CFPB and now it's even worse. 

There is no way my score should have dropped XXXX points!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: NY

Complaint narrative:
I contacted IC systems once I saw them on my credit report regarding a payment. I contacted them via the phone to ask what payment this referred to. I was informed that it was an account from XXXX. But, I stopped my XXXX  service once I changed residence a year back. I needed to return the router to XXXX. Once, I returned the router I was told by XXXX employees that everything was resolved. Further details were that a different collection agency in 2023, had contacted me regarding XXXX. On contacting them as well as XXXX, I was told about the issue and resolved it. Again, I resolved it in 2023. I would like to in light of this misunderstanding or miscommunication, have IC system remove the reporting on 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 2024-08-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Halsted Financial Services, LLC.
State: OH

Complaint narrative:
Debt Validation Letter mailed to Halsted XX/XX/2024. 
Under 15USC1692 ( e ) and 15USC1692 ( f ) evidence of authorization to seek any claim on me, The Living Woman/Living Witness to the legal name fraud, was not met. ( Please see all attached documentation : copy of signed and notarized in Truth debt validation letter as well as reply correspondence failing to provided requested Proof of Debt Validation ). 

NO CONSENT NO CONTRACT. 
Again, kindly provide me with a Valid Contract including : Full, Honest Disclosure Equal Consideration for both parties TWO wet ink human signatures - digital signatures are null & void.

Halsted Financial also continues to contact me using various 5-digit numbers claiming I owe this debt on my personal phone causing emotional and mental distress. I have opted out several times, stated Cease and Desist in Letter form, while they have continued to contact me from different numbers. ( Please see attached photographic proof ).

YOU HAVE 10 CALENDAR DAYS TO DELETE THIS ACCOUNT FROM MY CONSUMER REPORTS. Failure to do so will result in legal action for consumer law violation under 15 USC 1681n, 15 USC 1681o and 15 USC 1692k. DELETE THE FOLLOWING ACCOUNT FROM YOUR RECORDS AND ALL CONSUMER REPORTING AGENCIES. Failure to respond satisfactory with deletion of the above referenced account and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which i will also be seeking { {$1000.00} } per violation for : Defamation of Character Negligent enablement of identity fraud Fair debt collections practices act 15 USC 1692g violations Fair credit reporting act 15 USC 1681 violations for willful noncompliance 616 civil liability for willful noncompliance [ 15 U.S.C 1681n ]

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 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: MI

Complaint narrative:
I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 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: MI

Complaint narrative:
I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 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: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
This is a Trust action against the credit card company, American Express. The company listed is Trustees with a fiduciary responsibility to act in the best interest of the beneficiary which is me. This action is evidenced by each company having my U.S. Government contract number better known as the social security number. So, if any debt is allegedly owed it has already been paid according to house joint resolution 192 of June 5th, 1933. If the debt is not removed and my credit report cleared immediately, I will begin the process of charging each company with malfeasance, misfeasance, peonage, breach of Trust, gross negligence of fiduciary responsibility. I attempted to settle the debt by submitting the coupon remittance for each company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 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:
In accordance with the Fair Credit Reporting Act ( FCRA ), this creditor has violated my rights. Specifically, 15 USC 1681b ( a ) ( 2 ) states that a consumer reporting agency can not furnish a consumer report without the consumer 's written instructions. Additionally, under 15 USC 1666b, a creditor must not treat a payment on a credit card account in a manner inconsistent with the terms of the agreement or without proper disclosure for any purpose. 

This dispute concerns a late payment entry reported by XXXX XXXX XXXX  for XX/XX/year>. The inaccurate reporting of this payment violates my rights under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I RAN MY CREDIT AND NOTICED ACCOUNTS AND INQUIRIES THAT ARE NOT MINE I do not recognize this at all. 15 U.S. Code 1681q - Obtaining information under false pretenses - Re : Method of verification Highly Requested Under 15 U.S.C. 1681i ( 7 ) Method of verification As a consumer I request to know all the steps your agency took to insure these items were XXXX XXXX accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 usc ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in XXXX of XXXX connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than XXXX  XXXX  after receiving a request from the consumer for that description. 

PLEASE SEE ATTACHED-

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Bank is debiting {$5.00} from my savings account each month, because they claim I do not have auto-deposit established on the account. They have done this 3 months in a row even though I do have auto deposits created, to transfer {$25.00} from my checking to my savings with each direct deposit. Chase is stealing from me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal information made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-07 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: TX

Complaint narrative:
Please assist me in regards to some negative items that are showing on my report, i already provided the 3 documents the last time you asked me to provide together with the dispute letters and the specific accounts that I wanted to be removed from my 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