vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: IN

Complaint narrative:
Recently, a debt was added to my credit report. Upon noticing this, I immediately contacted Transworld Systems via phone and email to address the matter. Unfortunately, I was hung up on twice. When I was finally able to speak with someone, I was informed that they had mailed me certification of this debt and that I should already have it.

I explained that I have moved states twice in the past two years due to workonce to XXXX and later to XXXXand if the certification was sent to those addresses, I never received it. Despite this, the representative continued to harass me and used threatening language, including stating that they would sue me, in an apparent attempt to coerce me into making a payment. 

I reiterated that I require proper certification of this debt before proceeding, yet I have not been provided with the necessary documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 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:
I am a victim of identity theft. someone used my personal information to open accounts in my name without my permission. According to US Section 605B consumer reporting agency shall block reporting of any information of a consumer file that the consumer identifies as identity theft. The following accounts are in violation : 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 {$180.00} I have reached out to these debt collectors and requested information and provided the with identification and request that the following fraudulently obtained accounts be deleted from my credit file.

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 2024-12-01 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:
I am a victim of identity theft. someone used my personal information to open accounts in my name without my permission. According to US Section 605B consumer reporting agency shall block reporting of any information of a consumer file that the consumer identifies as identity theft. The following accounts are in violation : 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  {$180.00} I have reached out to these debt collectors and requested information and provided the with identification and request that the following fraudulently obtained accounts be deleted from my credit file.

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 2024-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In XX/XX/year>, I submitted an identity theft affidavit to the FTC, declaring that I am a victim of identity theft and that my information was used to open the following accounts : - XXXXXXXX XXXXk : {$3100.00} - XXXX XXXX  : {$7100.00} - XXXX XXXX XXXX {$23000.00} - XXXX XXXX XXXX {$5400.00} In XX/XX/year>, I also sent a self-attestation letter from an XXXX confirming my status as a victim of XXXX XXXX. However, the accounts were still verified. Subsequently, I requested detailed information about the verification process for these accounts, including : 1. The names of the specific representatives or individuals involved in the verification process.

2. The dates of these communications.

3. The rationale and evidence that led to the conclusion that these accounts belong to me. 

Despite my requests, I never received a response regarding the verification information, and the account was never blocked, despite my experiences with XXXX XXXX and identity theft.

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 2024-12-01 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of 4 accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S. Code 1681. 

Account Name1 : XXXX XXXX XXXX Account XXXX XXXX Account Name XXXX : XXXX Account # XXXX Account Name XXXX : XXXX XXXX Account XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These 4 accounts have violated my rights.

15 U.S. Code 1681 Section 602 A. States I have the right to privacy.

15 U.S. Code 1681 Section 604 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S. Code 1681c. ( a ) ( 5 ) Section States n
o 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 and antedates the report by more than seven years.

15 U.S. Code 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Subject : Request for Removal of Late Payment Due to Hardship Dear Sir/Madam, I am writing to request the removal of a late payment from my credit report. The late payment in question is from XX/XX/year>, reported by XXXX XXXX through the XXXXXXXX XXXX  credit builder. 

Due to an unexpected job loss, I was unable to make the payment on time. This was a temporary situation, and I have since secured new employment. I assure you that this will not happen again. In the event of any future financial difficulties, I have arranged for a family member with saved money to assist with my payments until I can reimburse them. 

Given the circumstances, I kindly request that this late payment be forgiven and removed from my credit report. 

Please consider my request and update my credit report accordingly. 

Thank you for your understanding and assistance. I look forward to your prompt response and resolution of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
It was stated that Im making frivolous attempts to correct my report because of fraudulent activity so I have attached my XXXX credit report which states this account is charged off / collection but company is claiming I still owe debt PLEASE PROVIDE A COPY OF 1099-C UNDER THE FCRA I CAN SEEK STATUTORY DAMAGES IF A CREDITOR FURNISHES INACCURATE INFORMATION ABOUT A DEBT SUCH AS REPORTING A CHARGE OFF WHILE STILL CLAIMING I OWE A DEBT ON MY CREDIT REPORT Pursuant to 15 USC 1692 C ( c ) I am notifying that I refuse to pay this alleged debt and I am demanding that you cease all forms of communication with me through any & All mediums

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 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: PA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-01 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: NY

Complaint narrative:
Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX To Whom It May Concern, Going over my credit report, I have found it has many errors. It has come to my attention that you are reporting what I believe to be inaccurate data, which I dispute, and this letter is an appeal for your assistance. As a national reporting agency, you are governed by the Fair Credit Reporting Act ( " FCRA '' ), which protects consumers from inaccurate, outdated, or invalidated information reporting of their credit file. The FCRA states that it's the Credit Bureau 's responsibility to ensure that all information contained within consumer credit files is accurate and free from errors. 
According to federal law, you are required to comply with the requirements imposed under the FCRA, 15 U.S.C. 1681 et seq., including but not limited to : follow reasonable procedures to assure maximum possible accuracy of the information in the consumer report, as required by 15 U.S.C. $ 1681e ( b ) ; 2 ) comply with the investigation requirements ; 3 ) should not provide consumer credit file to companies without determining that these companies had a permissible purpose to obtain consumer credit file pursuant to 15 U.S.C. 1681b ; 4 ) provide consumer credit file pursuant to 15 U.S.C. $ 1681g ; 5 ) et seq.

Accordingly, I request your company to provide verifiable documentary proof ( e.g., original consumer contract or similar proof bearing my wet ink signature on it ) you have on file of accounts/items listed below. Under the FCRA, if you do not provide documented and verifiable proof, you must remove all unverified, invalid, derogatory information from my consumer disclosure report. For your convenience, I am sending you a list of the items you need to verify them. These listed accounts are neither my debts nor my authorized inquiries. Please correct this by the removal of these items from my credit report. See. Exhibit A. Upon completion of your investigation, please send a detailed description of the procedures used to determine the accuracy of the account ( s ) I am disputing, as well as the name and contact information of the agent conducting the said investigation in case further communication is necessary. I know that your company will need some sort of verification to prove my identity. My information is clearly shown below : Accounts that need to be removed 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 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: PA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 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: NC

Complaint narrative:
I purchased a used vehicle that was financed through XXXX XXXX. The vehicle was charged off in XXXX of XXXX by XXXX XXXX, However, XXXX XXXX continued with threatening collection activities to include threats of repossession of the vehicle all the way through XX/XX/XXXX. 

I never received a XXXX from XXXX XXXX for the charge off that they claimed on my personal credit report which is still showing today XX/XX/XXXX as a charge off on my personal credit report which is impacting my overall FICO score as a result of the incorrect reporting. 

I made an agreement with XXXX XXXX  to pay an agreed upon balance they claimed was still owed on the vehicle although they received a tax credit from the IRS for the written off balance owed on the vehicle. The reason why I made the agreement was because XXXX XXXX continued to threaten collections and repossession of the vehicle until the balance they claim was owed was paid on the vehicle. Therefore I am requesting a 1099c from XXXX XXXX which they were supposed to have provided to me once the account was charged off. 

I paid the agreed upon amount they requested and still had to wait over 4 months from XXXX XXXX to release the title to my vehicle. XXXX XXXX has caused a great deal of stress upon me during my dealing with their customer support and other departments within this past year alone regarding the account. I no longer choose to do any type of business with XXXX XXXX ongoing in the future and at this point, I am requesting a copy of the 1099c from XXXX XXXX that they were supposed to have provided to me once the account was charged off, so that my taxes can be prepared properly. 

Based upon my personal credit report, the account was charged off in XXXX of XXXX, however, XXXX XXXX continued to go after collections on the account through XXXX which resulted in my paying an agreed upon amount to settle the debt that they stated that I still owed on the account, although they received a tax credit from the IRS for the charge off amount on the 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 non-monetary relief
Consumer complaint received 2024-12-01 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: NC

Complaint narrative:
I purchased a used vehicle that was financed through XXXX XXXX. The vehicle was charged off in XXXX of XXXX by XXXX XXXX, However, XXXXXXXX XXXX continued with threatening collection activities to include threats of repossession of the vehicle all the way through XX/XX/XXXX. 

I never received a 1099c from XXXX XXXX for the charge off that they claimed on my personal credit report which is still showing today XX/XX/XXXX as a charge off on my personal credit report which is impacting my overall FICO score as a result of the incorrect reporting. 

I made an agreement with XXXXXXXX XXXX to pay an agreed upon balance they claimed was still owed on the vehicle although they received a tax credit from the IRS for the written off balance owed on the vehicle. The reason why I made the agreement was because XXXX XXXX continued to threaten collections and repossession of the vehicle until the balance they claim was owed was paid on the vehicle. Therefore I am requesting a 1099c from XXXX XXXX which they were supposed to have provided to me once the account was charged off. 

I paid the agreed upon amount they requested and still had to wait over 4 months from XXXX XXXX to release the title to my vehicle. XXXX XXXX has caused a great deal of stress upon me during my dealing with their customer support and other departments within this past year alone regarding the account. I no longer choose to do any type of business with XXXX XXXX ongoing in the future and at this point, I am requesting a copy of the 1099c from XXXX XXXX that they were supposed to have provided to me once the account was charged off, so that my taxes can be prepared properly. 

Based upon my personal credit report, the account was charged off in XXXX of XXXX, however, XXXX XXXX continued to go after collections on the account through XXXX which resulted in my paying an agreed upon amount to settle the debt that they stated that I still owed on the account, although they received a tax credit from the IRS for the charge off amount on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 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: NC

Complaint narrative:
I purchased a used vehicle that was financed through XXXX XXXX. The vehicle was charged off in XXXX of XXXX by XXXX XXXX, However, XXXX XXXX continued with threatening collection activities to include threats of repossession of the vehicle all the way through XX/XX/XXXX. 

I never received a 1099c from XXXX XXXX for the charge off that they claimed on my personal credit report which is still showing today XX/XX/XXXX as a charge off on my personal credit report which is impacting my overall FICO score as a result of the incorrect reporting. 

I made an agreement with XXXXXXXX XXXX to pay an agreed upon balance they claimed was still owed on the vehicle although they received a tax credit from the IRS for the written off balance owed on the vehicle. The reason why I made the agreement was because XXXX XXXX continued to threaten collections and repossession of the vehicle until the balance they claim was owed was paid on the vehicle. Therefore I am requesting a 1099c from XXXX XXXX which they were supposed to have provided to me once the account was charged off. 

I paid the agreed upon amount they requested and still had to wait over 4 months from XXXX XXXX to release the title to my vehicle. XXXX XXXX has caused a great deal of stress upon me during my dealing with their customer support and other departments within this past year alone regarding the account. I no longer choose to do any type of business with XXXX XXXX ongoing in the future and at this point, I am requesting a copy of the 1099c from XXXX XXXX that they were supposed to have provided to me once the account was charged off, so that my taxes can be prepared properly. 

Based upon my personal credit report, the account was charged off in XXXX of XXXX, however, XXXX XXXX continued to go after collections on the account through XXXX which resulted in my paying an agreed upon amount to settle the debt that they stated that I still owed on the account, although they received a tax credit from the IRS for the charge off amount on the 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 non-monetary relief
Consumer complaint received 2024-12-01 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: Kikoff Inc.
State: NJ

Complaint narrative:
-Unauthorized accounts on my credit profile - Reporting late payments and these accounts are not mine.

- Reporting late payments and I have never been late - information they are reporting is inaccurate - Accounts were opened by someone else identity Theft. 
- Accounts need to be closed and removed from my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
The XXXXXXXX XXXX XXXX XXXX  Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Georgia XXXX XXXX Description of issue This information is false. The amount does not show and/or was removed from XXXX and XXXX after an investigation, and we were found to be refunded once we moved out. I found out that during the credit leak, my credit was combined with another lady named XXXX and XXXX XXXX, who both live at said property. The property manager was removed from the property due to this, and the other person whose information was filed falsely against was also removed. I have sent proof to Equifax, and all letters were returned, but I have no correspondence from Equifax. I was asked to participate in a civil suit, and I declined since all the info was to be removed from my credit report. I have filed with the XXXX  and reached out XXXX XXXX. They have no information about me or the amount. As stated, the other XXXX creditors were removed after they inquired into the matter. XXXX  XXXX on behalf of XXXX XXXX will not be removed due to the countless inquiries and information I have sent to both companies. Also, the signature on the fake application for my son and my name are wrong. No notice was given, and no letters have been received after almost 3 years of countless requests. The property XXXX was removed from the company because several accounts were found false by other individuals living there. /civil cases were mentioned, and XXXX were filed by myself and others. I have sent the return MO and bank statements to Equifax as well as XXXX XXXX stating that we received our money back and they still have not removed this from my account. Cost Impact : XXXX plus XXXX As you can clearly see the math in the ledger that was sent by rent recovery from XXXX XXXX does not add up and there for is a personal attack from the property manager against myself for reporting her due to her conduct with fellow employee as well as fellow employee conduct towards a XXXX.

Company response to consumer: Closed with explanation