vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-21 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: MA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 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: GA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 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:
Consumer Name : XXXX XXXX, Consumer SSN : XXXX, Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an auto loan opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX. This accounts have resulted in fraudulent accounts appearing on my consumer XXXX credit report. I've attached documents with the account in question maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned account as reported. The aforementioned account on my credit report maintained by you were not opened, made, or initiated by me. All the aforementioned account is the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission the aforementioned consumer credit account is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 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: VA

Complaint narrative:
My credit report includes incorrect hard inquiries that were not authorized. These must be deleted under 15 USC 1681c-2.

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 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 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: TN

Complaint narrative:
According to the IRS, an unpaid charge off is income. According to the FCRA, income can not be reported on a credit report. I have received a 1099-C for the accounts listed here : ( XXXX, XXXX, XXXX ). After checking a copy of my most recent report. It appears these accounts are still being reported. These accounts can not be reported on my credit report ( according to law ), not even to mention violation of 15 US Code 1601b. I demand these accounts to be removed 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 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There are late payment errors on my credit report that dont align with my payment history. Please update the 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 2024-11-20 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: GA

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2024-11-20 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: LA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information TransUnion. 



Please delete the following accounts : 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 non-monetary relief
Consumer complaint received 2024-11-20 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: CA

Complaint narrative:
On XX/XX/year> I received my credit report and noticed unauthorized accounts being reported to my consumer report. In the past years, my identity has been stolen and used for someone else 's benefit. Recently my information was leaked according to the credit report agency, XXXX. I have a supporting document, a police report affidavit attached to this complaint. I have a right to privacy and my rights are being violated by these unauthorized accounts. 


Delete this accounts : 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 non-monetary relief
Consumer complaint received 2024-11-20 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: CA

Complaint narrative:
On XX/XX/year> I received my credit report and noticed unauthorized accounts being reported to my consumer report. In the past years, my identity has been stolen and used for someone else 's benefit. Recently my information was leaked according to the credit report agency, XXXX. I have a supporting document, a police report affidavit attached to this complaint. I have a right to privacy and my rights are being violated by these unauthorized accounts. 


Delete this accounts : 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 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I called Wells Fargo Credit Card to dispute the 30-day late report that is showing on my credit bureau report . They told me they could no longer remove the payment history on their end and told me to submit a complaint for the dispute to go through the proper channels to be removed from my credit report. I opened this credit card on XX/XX/XXXX over 22 years ago. I was more than 30 days late for the first time XX/XX/XXXX, which has impacted my credit score dramatically. I was told I can dispute and it would be removed. Please help me get this to the correct individual that can get this 30 day late payment removed 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 2024-11-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
On XX/XX/year> I received a letter from Synchrony payment security stating that they would not cover my credit blance because my payment security program was cancelled on XX/XX/year>, upon speak to synchrony twice on XX/XX/year> I was informed that some one from Pay Pal Master card cancel my payment security program, closed out my account and enrolled it into a credit card hardship program without my authorization. 

On XX/XX/year> I spoke to XXXX representative with XXXX XXXX XXXX some one in hardship and some one in customer who informed me that they did not contact synchrony and remove from payment security they there job is to offer customer payment security when they call before the hardship program if they have it on there cards. XXXX XXXX XXXX informed that XXXX, that someone called in with a debit card ending XXXX and made a payment on my card and enrolled me in the hardship program for {$100.00}. It is no way I would enroll myself in that program if I had filed a benefit with payment security. XXXX made a payment towards benefit reuest # XXXX in XX/XX/year>, none of this makes sense. please review attached documentation.

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 2024-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Harris & Harris, Ltd.
State: FL

Complaint narrative:
Checking my credit score in XXXX XXXX I just noticed that my score went down for XXXX points and it says " Between XX/XX/year> and XX/XX/year>, a new account in collections was added to your report. The collection agency is HARRIS & HARRIS. The original creditor was XXXX XXXX XXXX' I do not erecognize this creditor, I haven't received any call or notification from it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SUN LOAN COMPANY INC.
State: MO

Complaint narrative:
To Whom It May Concern : I am writing to formally lodge a complaint and demand immediate enforcement action against Sun Loans for violating federal law regarding credit reporting practices. Specifically, Sun Loans continues to report a charge-off on my credit report dated XX/XX/year>, yet has failed to provide me with a Form 1099-C, which is required under Internal Revenue Code 6050P when debt is discharged or canceled.

Sun Loans failure to issue a 1099-C while maintaining the negative report of the charge-off on my credit report is a clear violation of federal regulations. This conduct not only reflects a disregard for their obligations under the Fair Credit Reporting Act ( FCRA ), but it also potentially misrepresents the status of the debt, causing unjustified harm to my creditworthiness and financial standing.

Violations at Issue Failure to Issue a 1099-C : Internal Revenue Code 6050P mandates that a creditor must issue a Form 1099-C when a debt of {$600.00} or more is discharged or forgiven.

Continued Negative Reporting : By failing to issue a 1099-C and simultaneously reporting the debt as charged-off, Sun Loans is perpetuating inaccurate and incomplete reporting in violation of the FCRA.

Demand for Immediate Action I demand the CFPB take swift enforcement action to investigate and rectify these violations. Specifically, I request that : Sun Loans be compelled to provide me with a Form 1099-C for the reported charge-off amount, or Sun Loans cease all credit reporting of the charge-off if no 1099-C is issued, ensuring compliance with applicable laws.

This dual failure by Sun Loans is causing significant and ongoing harm to me, both financially and personally, as the inaccurate and incomplete reporting continues to negatively impact my credit report.

Next Steps I request the CFPB to immediately investigate this matter and compel Sun Loans to take corrective action in accordance with federal law. I expect to be updated on the status of your investigation within 30 days of the date of this letter.

Should Sun Loans fail to correct their unlawful practices, I will pursue all available legal remedies, including filing a complaint with the IRS for their failure to issue the required tax documentation, in addition to exploring private legal action.

Thank you for your prompt attention to this matter. Please feel free to contact me directly at [ your phone number ] or [ your email address ] should you require additional details regarding my complaint. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 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: TX

Complaint narrative:
It has come to my attention that my personal information has been exposed in a national data breach. When reviewing my credit reports, I noticed some accounts XXXX XXXX, that I am not familiar with. I have asked the CRA 's for validation of debt, however the information has not been provided. Due to my personal information being exposed, I have submitted an FTC complaint reporting the information I am not familiar with. 

Please find attached a copy of my ID, the FTC complaint, a copy of the XXXX report showing my information being exposed in a national breach and a Validation of Debt Letter.

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 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 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: MI

Complaint narrative:
Transunion and XXXX were asked to provide Please provide the following : Agreement that grants the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor where I agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency.

Verification that this debt was assigned or sold to collector.

Complete accounting of alleged debt.

Commission for debt collector if collection efforts are successful.

I am also requesting The means of which this information was VERIFIED and VALIDATED For the account thats been reported as fruad.

In the packet sent none of these items arrived. There was XXXX proof for any of these items being validated which checks out with Transunion not running FCRA disputes as they have previously been caught not doing. Statements are inaccurate and missing information and provide no real information yet Transunion failed to do this investigation on their own

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 2024-11-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
XX/XX/XXXX my payment was {$170.00} so for XXXX it change to {$230.00}. I called customer service XX/XX/XXXX and asked how com it jumped up and he said the was a letter sent to me but I never received it. He couldnt understand English so it was hard for him to understand what I was asking. Also I payed the payment for this month and they took all of it and none was put on the card. XXXX payment is {$290.00} another big jump in over the last past 5 months. I cant afford this minimum payments theyre asking for and leaving nothing on the card after I make a payment. Please help to solve this problem because at this point Im feeling like that are doing this to me because of my XXXX. I have been with them over a year and been asking for increases credit and keep getting denied. Thank you for your time and hope to get help soon!

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 2024-11-21 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 am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like this item immediately re-investigated. This inaccuracies are highly injurious to my credit rating. 
XXXX - XX/XX/year> Transunion : The following inquiry was not authorized and should not be reporting.

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 2024-11-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
I, XXXX XXXX, a consumer, am notifying you that I dispute this alleged debt pursuant to 15 USC 1692g. I REQUEST THAT YOU PROVIDE TO ME VERIFICATION.

OF THIS ALLEGED DEBT. VERIFICATION CONSISTS OF A FORMAL DECLARATION IN WHERE YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE AND MUST BE NOTARIZED.

Since this debt is disputed pursuant to the Fair Debt Collection Practices Act, you are required to cease all collection of this alleged debt which includes reporting to my consumer report with XXXX, XXXX, AND XXXX. 
I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies.

Company response to consumer: Closed with explanation