vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-07 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: PA

Complaint narrative:
I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. 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 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
I am writing to formally dispute inaccurate information that is being reported on my credit report. 
Specifically, the following items are incorrect and are negatively impacting my credit score : 1. Account Name : XXXX XXXX XXXX Account Number : # XXXX Reason : This account is inaccurately reflected on my credit report. I recently reviewed it and found it only shows on my Transunion account. Please provide proof of the charge-off and either update the balance to {$0.00} or remove the negative payment status for this account. 

2.Account Name : XXXX XXXX XXXX Account Number : # XXXX Reason : This account is inaccurately reflected on my credit report. I recently reviewed it and found it only shows on my XXXX account. Please provide proof of the charge-off and either update the balance to {$0.00} or remove the negative payment status for this account. 

3.Account Name : XXXX XXXX XXXX Account Number : # XXXX Reason : This account is inaccurately reflected on my credit report. I recently reviewed it and found it only shows on my XXXX account. Please provide proof of the charge-off and either update the balance to {$0.00} or remove the negative payment status for this account. 

These items are either reported incorrectly or have been resolved, and I request a thorough investigation and correction. Ive already reached out to the credit reporting agency and data furnisher, but the issue persists. Ive attached supporting documentation and screenshots of my credit report to highlight the inaccuracies and support my claim. Please address this matter promptly and update my credit report to ensure it reflects accurate information.

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 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.

Complaint narrative:
I am writing to formally dispute inaccurate information that is being reported on my credit report. 
Specifically, the following items are incorrect and are negatively impacting my credit score : 1. Account Name : XXXX XXXX XXXX Account Number : # XXXX Reason : This account is inaccurately reflected on my credit report. I recently reviewed it and found it only shows on my XXXX account. Please provide proof of the charge-off and either update the balance to {$0.00} or remove the negative payment status for this account. 

2.Account Name : XXXX XXXX XXXX Account Number : XXXX XXXXXXXX Reason : This account is inaccurately reflected on my credit report. I recently reviewed it and found it only shows on my Experian account. Please provide proof of the charge-off and either update the balance to {$0.00} or remove the negative payment status for this account. 

3.Account Name : XXXX XXXX XXXX Account Number : XXXX XXXXXXXX Reason : This account is inaccurately reflected on my credit report. I recently reviewed it and found it only shows on my XXXX account. Please provide proof of the charge-off and either update the balance to {$0.00} or remove the negative payment status for this account. 

These items are either reported incorrectly or have been resolved, and I request a thorough investigation and correction. Ive already reached out to the credit reporting agency and data furnisher, but the issue persists. Ive attached supporting documentation and screenshots of my credit report to highlight the inaccuracies and support my claim. Please address this matter promptly and update my credit report to ensure it reflects accurate information.

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 2024-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I went to apply for loan and the creditor was unable to pull my equifax report. I called equifax and they instructed me to log into equifax and I was met with an error message and a phone number to call. I called on XX/XX/year> and they told me they would work on it and to call back if the problem persists and gave me a case number XXXX. I called back on XX/XX/year> and told them I am still getting the error that my credit report is unavailable due to technical issues. They told me I needed to send my ID and social security card with a cover letter stating that I wanted them to update my credit information in file and that would fix it so I did that. They said to give it about 7 business days. I called back XX/XX/XXXX and asked the status and they said they have to escalate the issue and someone will get back to me within a week and gave me a new case number XXXX. I called again on XX/XX/XXXX because my report is still unavailable and no one has gotten back to me. This time I was told they are escalating the issue again and I am tired of this because I cant apply for financing or work on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am not liable and refuse to pay this debt with XXXX XXXX. I have no contract with XXXX XXXX XXXX in regards to account # XXXX. The information on my credit report is inaccurate and I demand that it be investigated and removed immediately to avoid further legal actions against all parties involved. I have no contract with XXXX XXXX XXXX, provide me with a signed contract between XXXX XXXX XXXX and I, otherwise remove incorrect information.

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 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am not liable and refuse to pay this debt with XXXX XXXX. I have no contract with XXXX XXXX XXXX in regards to account # XXXX. The information on my credit report is inaccurate and I demand that it be investigated and removed immediately to avoid further legal actions against all parties involved. I have no contract with XXXX XXXX XXXX, provide me with a signed contract between XXXX XXXX XXXX and I, otherwise remove incorrect information.

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 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XX/XX/XXXX NONE OF THESE ACCOUNTS ARE MINE THEY ARE ILLEGAL!!! 

Writing to dispute these ILLEGAL COLLECTIONS AND INQUIRIES ON MY EXPERIAN REPORT! THESE ITEMS ARE ILLEGAL AND UNAUTHORIZED AND NEEDS TO BE REMOVED IMMEDIATELY FROM MY XXXX, XXXX, AND EXPERIAN REPORT. MY INFORMATION WAS BREACHED VIA XXXX BREACHES, XXXX BREACHES, AND ALSO EXPERIAN. YOU GUYS HAVE FAILED TO DO YOUR JOB AS CREDIT BUREAUS IN PROTECTING YOUR CUSTOMERS INFORMATION AND AS A RESULT I STILL HAVE ILLEGAL ITEMS BEING REPORTED BECAUSE OF YOUR CARELESSNESS.

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, 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 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 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$9500.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.

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 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I had written to formally file a complaint regarding XXXX XXXX XXXX, XXXX. To the credit bureaus and make them aware that this collection account on my credit report in inaccurate in false. I was advised to conduct my own research on XXXX there I found that XXXX XXXX XXXX, XXXX is not a licensed collector in the state of Nevada. 

This collection entry is negatively affecting my credit score and is causing me undue stress and hardship. As per Nevada law, any company engaged in debt collection activities in the state is required to be properly licensed. Since XXXX XXXX XXXX, XXXX does not meet this requirement, their reporting to my credit report is not only inaccurate but also unlawful. 

I kindly request that you investigate this matter and take the necessary actions to rectify this issue. I have attached copies of my credit report, documentation confirming that XXXX XXXX XXXX, XXXX is not licensed in Nevada, and any other relevant information for your reference. 
I visited nmlsconsumeraccess.org where I confirmed XXXX XXXX XXXX, XXXX is not licensed in the state of Nevada. 

Please let me know if there is any additional information or documentation needed from me to assist in your investigation. 

Thank you for your prompt attention to this matter. I look forward to your response and the resolution of this issue.

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 2024-10-08 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
This is a company called Midland Credit management , IncXXXX XXXX XXXX. This company has illegal filed a court date against me in XX/XX/year>. When the court date occurred they never sent me the court date. they went to court and ruled on the judgement with me being there. I never in my life had Midland Credit or a XXXX  XXXX card. This is all fraudulent. I report their attorney XXXX XXXX XXXX to the Georgia Bar Association. I am a single parent, I can't afford to have my wages garnished. This situation needs to be resolved immediately. I also filed a complaint with the Attorney General against Midland Credit. This company has a illegal judgement of XXXX against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XX/XX/XXXX NONE OF THESE ACCOUNTS ARE MINE THEY ARE ILLEGAL!!! 

Writing to dispute these ILLEGAL COLLECTIONS AND INQUIRIES ON MY XXXX REPORT! THESE ITEMS ARE ILLEGAL AND UNAUTHORIZED AND NEEDS TO BE REMOVED IMMEDIATELY FROM MY XXXX, EQUIFAX, AND XXXX REPORT. MY INFORMATION WAS BREACHED VIA EQUIFAX BREACHES, XXXX BREACHES, AND ALSO XXXX. YOU GUYS HAVE FAILED TO DO YOUR JOB AS CREDIT BUREAUS IN PROTECTING YOUR CUSTOMERS INFORMATION AND AS A RESULT I STILL HAVE ILLEGAL ITEMS BEING REPORTED BECAUSE OF YOUR CARELESSNESS. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter. 

Sincerely, 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
The report requested by XXXX XXXX XXXX XXXX XXXXXXXX says I have serious delinquencies. THIS IS INCORRECT! I do not have any late payments or any negative reports on my accounts for the past 15 years. I need to get that clear up. My credit score is near 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 2024-10-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Mercury Technologies, Inc.
State: NY

Complaint narrative:
I received the email below- we had $ XXXX in this account and now they will not answer our emails or tell us how to get the money out of the account. You can see in the below texts the XXXX says our account was shut down for complaint and as you can see stops responding. 

This ticket was created on your behalf. 

To add additional comments, reply to this email. 

Hello, Were writing to inform you that we can no longer offer you services at Mercury.

Your account has been closed due to a breach of our Terms of Service and/or your Deposit Account Agreement. As a result, funds associated with your account are being retained by Mercury. Please note that scheduled, previously initiated, and expected incoming funds may still process ( wires, card transactions, check deposits, and ACH credits ). Please be assured that we will promptly notify you if there is any change in the circumstances surrounding this closure. We will be unable to share additional details about this decision with you. We appreciate your understanding. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 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: OR

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 XXXX XXXX debt bondage, which falls under trafficking according to XXXX-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 XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from XXXX. 

Please delete the following accounts : XXXXXXXX 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 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing a formal dispute regarding the inaccurate reporting of late payments on my XXXX XXXX XXXX account : XXXX Date opened : XX/XX/year> Despite my timely payments, Experian has continued to report late payments inaccurately, which is a violation of the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance standards.

I have reviewed my account history thoroughly, and all payments were made in accordance with the terms of my agreement. The continued misreporting of this information has significantly damaged my credit score and overall financial standing. This is not only unjust but a violation of my rights under the FCRA ( 15 U.S.C. 1681 ), which mandates that all information on credit reports must be accurate and fair. 

I am requesting the CFPB to investigate this matter urgently and hold Experian accountable for their non-compliance. I demand the immediate removal of all inaccurately reported late payments on my XXXX account to prevent further damage to my credit profile. 

I appreciate your prompt attention to this matter and expect a confirmation that an investigation has been initiated within 15 days. 

Thank you for your assistance.

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 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I applied for an auto loan at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> ) and was told that I was applying for financing through them. A few weeks later, checked my credit report and noticed SEVERAl hard inquiries on my report that I did not authorize. My information was being ran through a lender database without my permission. I want these hard inquiries removed. I did not authorize these companies to use my information and this is against the fair credit reporting act.

I have also filed an identify theft report. 

The following hard inquires were not authorized or approved otherwise with my signature or verbal approval : 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 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