vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-17 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: WI

Complaint narrative:
Upon reviewing my consumers report, I noticed there were 2 accounts listed that are not mines. Here are the accounts listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-10-17 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: WI

Complaint narrative:
Upon reviewing my consumers report, I noticed there were 2 accounts listed that are not mines. Here are the accounts listed below. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 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: TN

Complaint narrative:
Ive identified billing errors on my credit report. The late payments reflected don't match my regular payment behavior. Please correct these mistakes and update my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: NY

Complaint narrative:
I was a tenant at XXXX XXXX XXXX  for approximately four ( 4 ) years from on or around XX/XX/XXXX to XX/XX/XXXX. Sometime before that, disagreements between myself and the Management Company -- XXXX XXXX -- resulted in that Management Company deciding not to renew my lease and -- given that I wanted to leave anyway due to severe environmental problems/ AIRBORNE MOLD -- that I had became aware of -- I decided to leave the property without contesting the matter. Simply put, the " breakup was somewhat amicable '' and I left without any major disagreement between myself and XXXX XXXX XXXX. The morning that I was leaving, I gave said company my forwarding address and the keys to the apartment. The Property Manager told me she would have my security deposit sent to my new address. Since that time I have not seen any security deposit come to me. Management decided not to inspect the apartment despite having the time to do so, and I decided not to require management to inspect the apartment. My reason for this action is because management had been to my apartment on numerous occasions with various persons some purporting to be " inspectors and engineers '' -- and had seen the problems with the MOLD infestation inside the apartment. Now I have been sent a Collection Company letter where this management company is " attempting to collect a debt from me ''. There is no reason to be sending me a Collection Letter -- dated XX/XX/XXXX -- when I vacated the apartment on XX/XX/XXXX. At the time that I vacated the apartment, there was absolutely no damage to the apartment other than that done by the MOLD. 

The only possible reason that XXXX XXXX XXXX / XXXX XXXX could be seeking to pursue such action after more than two ( 2 ) months of me leaving is to " create a defense '' or at least " some smoke-screen '' to defend themselves in case I should pursue legal action for the airborne mold that I inhaled while a tenant at this housing complex. At this point in time, I wish to preserve my right in case it is determined that the mold caused damage as I had to seek medical attention from a XXXX  while a tenant at this housing complex. 

At this point I wish to demand that XXXX XXXX XXXX XXXX XXXX CEASE AND DECIST from any action such as sending me collection company letters or ANY form of legal action, action that is resulting from frivolous attempts to obtain some sort of protection as I informed this management company that since they had prior knowledge of this environment hazard, they should have informed me of it so I could decide whether I wanted to live there or not. There is no other reason for this or any other action by XXXX XXXX XXXX XXXX XXXX XXXX to sending me ANY form of legal letters or collection letters. Oh, and until now, I have not received my security deposit which was promised to me more than three ( 3 ) months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: MA

Complaint narrative:
I am trying to understand that why when I make the minimum payment my account is always over the limit and I never make any progress on the balance with the outrageous monthly fees

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-17 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: U.S. BANCORP
State: MN

Complaint narrative:
I have a hard inquiry on my credit report from Elan financial and I have never submitted a card request from this institution.

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 2024-10-17 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: UT

Complaint narrative:
In XX/XX/XXXX, I discovered multiple inaccurate collection accounts on my credit report. These entries were made without my knowledge or consent, and they violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) and 15 U.S.C. 1681s-2. Despite having already filed a dispute and providing all the necessary documentation, the credit reporting agencies and the companies responsible have failed to remove these inaccurate collection accounts. 

This is the second formal complaint I am filing with the Consumer Financial Protection Bureau ( CFPB ) because the previous complaint was ignored, and the inaccurate collection accounts continue to appear on my credit report. These accounts are causing significant damage to my credit score, and the continued reporting of this erroneous information is both misleading and a violation of my rights under the FCRA. 

Collection Accounts : 1. 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 XXXX b. Balance : {$0.00} c. Account Status : Closed d. Date Reported : XX/XX/XXXX The Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies and furnishers of information must ensure the accuracy of the data they report. Specifically : Under 15 U.S.C. 1681b ( c ), the companies reporting these collections must have a permissible purpose for accessing or reporting this information, which they have failed to demonstrate. 
Under 15 U.S.C. 1681s-2 ( b ), the furnishers of information have a legal obligation to correct and update inaccurate or incomplete information once a dispute has been filed. Despite receiving my dispute, these furnishers have neglected to update or remove the inaccurate information. 

Furthermore, the 15 U.S.C. 1681e ( b ) provision requires credit reporting agencies to adopt reasonable procedures to assure the maximum possible accuracy of the information in consumer reports. By continuing to report these erroneous collection accounts, the credit reporting agencies are in direct violation of this provision, and I am seeking corrective action under the law. 

The Federal Trade Commission ( FTC ) has issued clear guidelines about the obligations of credit reporting agencies and furnishers under the FCRA. My complaint is further supported by FTC Report XXXX. XXXX, which underscores the need for compliance with these legal obligations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-17 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: IN

Complaint narrative:
I'm writing to bestow my XXXX  concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-17 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: NY

Complaint narrative:
My credit report shows billing inaccuracies, including late payments that aren't consistent with my usual payment behavior. Please correct these and update my account.

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 2024-10-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I received a letter from Chase/Amazon regarding some transactions on a credit card. I do not have a credit card through them and never applied for one. Someone else must have gotten a credit card in my name. I called Chase immediately and froze the card and called XXXX and put an alert on my credit for 12 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 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: FL

Complaint narrative:
I am currently experiencing financial stress due to inaccuracies in my report, which is limiting my opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
There are several accounts on my recent credit report that I didnt approve and seem fraudulent. I request their immediate removal and blocking.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.

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 2024-10-17 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Dispute Stall Tactic Regarding Signed Power of Attorney To Whom It May Concern, I am submitting this complaint due to the consumer reporting agency refusing to process my recent disputes, despite having received a valid and signed Power of Attorney ( POA ) document authorizing my representative to act on my behalf. They have sent a stall letter stating that they will not proceed because they " do not believe the dispute came from me. '' This claim is inaccurate and disregards the POA provided. As a consumer, I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), and it is unlawful for the credit reporting agency to coerce me into using their online or phone dispute options instead of honoring my submitted disputes. I respectfully request that the consumer reporting agency process my recent disputes as previously submitted this letter should be attached to my credit file as it has been acknowledged, but ignored. Attached are the following supporting documents : My government-issued ID and proof of address The signed Power of Attorney document Please investigate this matter and take the necessary steps to ensure my disputes are processed promptly. Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 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: MI

Complaint narrative:
RE : Late Payment Improperly Reported- I XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. 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 and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXX XXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by TransUnion, XXXX, XXXX. TransUnion, XXXX, XXXX has violated my consumer rights and violated federal law. This is the FOURTH attempt to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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. Account name : 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  has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681c. ( a ) ( 5 ) 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 seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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. 

iamnot liable for this debt i do not have a contract with them or a open account They did not provide me with the orignal contract as requested i demand this be removed Transunion XXXX XXXX claims they verfied the information but have not provided me with and 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 non-monetary relief
Consumer complaint received 2024-10-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Consumer Portfolio Services, Inc.
State: MN

Complaint narrative:
Sent debit Validation letter. To Cps inc account number XXXX the debit is {$18000.00} XX/XX/XXXX to XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 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: CA

Complaint narrative:
I need to stress that this complaint isn't a mistake. My credit report has inaccuracies that aren't assured to be the maximum possible accuracy. These errors are really weighing on me and is continuing to affect me negatively in ways you can not begin to imagine, these are trying times and it would be a great help to me, a blessing I must say, if these inaccuracies get corrected and/or removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Velocity Portfolio Group
State: MD

Complaint narrative:
XXXX sold this debt to XXXX  who never contacted me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 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:
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 response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 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: TX

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.

Company response to consumer: Closed with non-monetary relief