vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-11 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: MI

Complaint narrative:
Unfortunately, I have noticed an account open on my consumer report at this account does not belong to me. I would like for you to be removed immediately. XXXX XXXX XXXX Account Number : XXXX Date opened XX/XX/2023 these account was opened and furnace as the result of a data beach/identity theft. This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account.. This account is reported in accurately on the balance present and is not up-to-date. This account must be removed from my consumer report immediately, which is my right as a federal protected consumer. I have the right to dispute a lawful validation of debt pursuant to 12 CFR 1006.34 Notice for validation of debts under the FDCPA. Persian to 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) They Are PROHIBITED BY LAW to furnish any public information without informing me about my consumer rights which Portfolio recovery Associates did continue to furnish my public information without having permissible purposes, pursuant to 15 U.S. Code 1681b ( c ) ( 3 ) Permissible purposes of consumer reports. This company is in violation of the following Laws ; 15 U.S. Code 1681a ( e ) - Definitions ; rules of construction 15 U.S. Code 1692c ( c ) - Communication in connection with debt collection 15 U.S. Code 1681b ( c ) ( 3 ) Permissible purposes of consumer reports. 15 U.S. Code 1681 q - Obtaining information under false pretenses. 18 U.S. Code 1028A - Aggravated identity theft. Until this alleged debt is validated by proof of contractual agreement it is illegal for this company To continue to furnish this alleged debt on to my consumer reports. This company may be held liable pursuant to federal law title 15 USC 16810 and title 15 USC 1681N for negligence. Pursuant to FCRA 605B and 15 USC 1681C-two I demand that these accounts be removed within four business days as permitted by federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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: IL

Complaint narrative:
I am reaching out for your assistance concerning the false account on my credit report. This issue has tarnished my reputation as a customer, and I need your help in having these wrongly reported accounts removed.

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 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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: PA

Complaint narrative:
Subject : Dispute of Inaccurate Information on XXXX XXXX Account Ending in XXXX To Whom It May Concern, I am writing to formally dispute the accuracy of the information reported on my credit report regarding an account with ComenityBank/Wayfair Card XXXX The account number ends in XXXX, and it was opened on XX/XX/year>, and closed on XX/XX/year>. Upon reviewing my credit report, I have identified the following inaccuracies : Double Reporting : The account is reported as charged off with a balance of {$0.00}, but also reflects a high balance of {$990.00}, creating a contradiction in the account status. 
Additionally, the account is noted as being purchased by another lender, which leads to double reporting of the same debt. 
Inaccurate Remarks : The remarks indicate both " unpaid balance charged off '' and " purchased by another lender, '' which creates confusion about the status of the account. These inconsistencies should be corrected. 
Credit Limit and Usage Discrepancy : The high balance of {$990.00} exceeds the original credit limit of {$500.00}, creating an inconsistency in the reported credit usage and impact on my creditworthiness. 
Failure to Properly Investigate : Despite submitting my initial dispute, TransUnion failed to properly investigate and correct the inaccuracies in my credit report. This oversight has caused unnecessary damage to my credit profile, and I request that the matter be re-examined thoroughly. 
I request that TransUnion investigate these discrepancies thoroughly and correct or remove any inaccurate information. Additionally, if the information is verified as accurate, I would like to receive documentation used to verify the charge-off, balance, and transfer of the account to a new lender. 

Thank you for your prompt attention to this matter. I appreciate your assistance in resolving these issues and ensuring the accuracy of 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 non-monetary relief
Consumer complaint received 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Please remove this account from my credit report since it is unauthorized and unrelated to me. I urge you to investigate and resolve any additional inaccuracies.

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 2024-12-11 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: IL

Complaint narrative:
I have not Supplied Proof Under The doctrine of estoppel by the silencXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). XXXX XXXX XXXX XXXX. {$9600.00}, XXXX XXXX XX/XX/year>, Masseys XX/XX/year>.

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 2024-12-11 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 recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 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: VA

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 2024-12-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: GA

Complaint narrative:
My loans were canceled by Ed Financial on XX/XX/XXXX. They were updated as canceled on my data report as well on XX/XX/XXXX. I have documentation from XXXX that shows the loans broken down and canceled. I have spoken with individuals from XXXX which was XXXX on XX/XX/XXXX via chat and XXXX on XX/XX/XXXX via chat. I have spoken with multiple individuals from Ed Financial such as XXXX on XX/XX/XXXX via chat, XXXX on XX/XX/XXXX at XXXX, XXXX on XX/XX/XXXX at XXXX, XXXX in leadership on XX/XX/XXXX at XXXX and XXXX on XX/XX/XXXX XXXX XXXX. I have also sent copies of documentation for all of this information to Ed financial and they responded that they were canceled due to being consolidated. This is not the truth. I spoke with XXXX in Leadership at Ed Financial on XX/XX/XXXX around XXXX and she reported, " I am looking for another request for you because I see the loans as canceled and not paid in full by consolidation because you have not consolidated them since XX/XX/XXXX. XXXX then reported, " I only see the document for the loan that is for {$58000.00} so that is the only one I can work on. Go ahead and upload the rest of the pictures over the weekend and call back for use to take care of them. '' I then uploaded the pictures again. About 5 days later on XXXX XXXX while checking my credit report I saw that Ed Financial decreased your balance by {$60000.00} from {$250000.00} to {$190000.00}. This if from XXXX removing the only canceled loan document she could see. I called back again and could not get XXXX and was told they would reach out to someone in leadership to call me back. I then disputed the balances on my other credit reports and one was updated. I then filed a complaint and this is where the fraud is coming in. Ed financial reported that my loans were not canceled ( which they are still showing canceled today ) and the loans show that because they were paid in full by consolidation. Which again is not true. If that was true then XXXX would have not updated my credit report. Once I received my compliant response, they immediately closed it out and would not allow me to respond. All of my loans were canceled and not paid in full by consolidation. They then added the amount back to my credit report which I believe is unethical and illegal once they removed it as I have not taken out any new loans. Lastly, if they were paid in full by consolidation that is what the system would have said. Please cancel my loans and make this right. I would appreciate the reduction of stress and uneasiness this is causing me daily. It will only let me upload XXXX loan pictures. I have more including my credit report if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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:
I am writing to request the immediate blocking and deletion of the account and inquiries listed below from my credit report. I am a victim of a data breach, and these items were added to my credit file without my knowledge or authorization. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that this fraudulent information be removed from my credit report promptly. 
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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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 writing to request the immediate blocking and deletion of the account and inquiries listed below from my credit report. I am a victim of a data breach, and these items were added to my credit file without my knowledge or authorization. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that this fraudulent information be removed from my credit report promptly. 
Fraudulent Account : 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 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 explanation
Consumer complaint received 2024-12-11 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: NY

Complaint narrative:
I'm writing to bestow my anxiety 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 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 2024-12-11 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: CO

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 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: GA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 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: GA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-12-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
The amount of is XXXX I use my apple credit card to purchase this item but received a defective item when I opened the dispute with my credit card I have sent a lot of evidence even the platform where I purchased the item suggest me to get a refund because the seller product been taken down because it is unsafe to use but apple credit card never rule on customer favor for fraud after taken 3 months now they said they cant refund me my money and Im tired because that is on every single dispute I made I ended up paying it

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I reviewed my consumer report and previously informed your agency on XX/XX/year> about several disputed items. Despite this notice, the issue remains unresolved in a manner that violates my rights under the Fair Credit Reporting Act ( FCRA ). I included an FTC Identity Theft Report and have also filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding these items.

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 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I am submitting this complaint to formally address the continued gross mishandling and inaccurate reporting of my SYNCB/PPC account XXXX Synchrony Bank and XXXX credit bureaus. Despite my repeated disputes over the past XXXX months, this account remains on my credit reports with derogatory and unverifiable information. 

The following issues highlight the egregious violations of my consumer rights : Failure to XXXX XXXX : Synchrony Bank has failed to provide any form of validation or documentation to substantiate the reported late payments and derogatory marks. The Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) require that creditors verify the accuracy of disputed information. Their continued reporting without validation is a direct violation of these laws. 

Inconsistent Reporting : XXXX shows the account as Deleted and marked Paid, while also reporting a XXXX late payment status, which is contradictory. 
XXXX and XXXX continue to show the account as Closed with a Late 120 Days status, despite no evidence of these late payments being provided. 
These discrepancies across the bureaus demonstrate inconsistent and unreliable reporting. 

False XXXX by XXXX : My disputes with the credit bureaus have resulted in them claiming the account has been verified. However, if Synchrony Bank can not provide proper validation, it is clear they are submitting false verification to the bureaus, which is fraudulent and unlawful. This practice undermines my right to an accurate credit report. 

Statutory Violations : Continued reporting without validation violates the FDCPA ( 15 U.S.C. 1692g ), which requires debt XXXX to cease collection until validation is provided. 
Inaccurate reporting and failure to correct errors violate the FCRA ( 15 U.S.C. 1681i ), which mandates accurate reporting and timely correction of disputed items.

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 2024-12-11 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: CA

Complaint narrative:
This company is trying to fraudulently add information to my credit report. I tried to verify debt via verification letter and they couldnt provide receipt or original contract for amount between National Credit Systems and I therefore all but one credit bureaus decided to remove. XXXX has been blocking my attempts at removing this debt off my record. Please do not be complicit in spreading fraudulent information. This is a good will attempt to correct my report before legal action will be pursued. I have also made a complaint with the BBB and it has gone nowhere, as the company refused to answer to or provide any of my requested questions and information. 
Per XXXX regulation, burden of proof falls upon the COLLECTOR not the COLLECTEE. I am not answering any questions or providing any information until the debt has been verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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:
RE : XXXX  Block Request - ( XXXX XXXX  ACCOUNT # XXXX DATE OPEN XXXX XXXX AMOUNT {$2100.00} ), ( XXXX XXXX ACCOUNT # XXXX DATE OPEN XXXX XXXX AMOUNT {$1700.00} )

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