vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-02 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: TX

Complaint narrative:
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, has violated my rights. 

I looked at my Trans Union credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2024-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Exeter Finance, LLC.
State: OK

Complaint narrative:
Received a call from ( XXXX ) XXXX and voicemail left at approx XXXX XX/XX/year> from Exeter Finance XXXX I do not owe this company money. I have not borrowed money for a car loan. I recently filed a complaint on this CFPB website against the same company for the same problem. 

I must share the same name as a customer that does owe Exeter Finance money because this would be the third time Exeter has contacted me. I have spoken with them three different times on the phone and filed the previous complaint yet they called me again. I do not know what it will take to make this calling stop but I do wish to pursue it, be it a fine or whatever.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: IL

Complaint narrative:
Identity was stolen and impersonater created bills and unpaid debt in my name

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 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: IN

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of 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 non-monetary relief
Consumer complaint received 2024-10-02 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: IN

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of 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 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

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 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 2024-10-02 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: IN

Complaint narrative:
I am writing to formally express my concerns and frustration regarding the Equifax data breach that occurred in 2017. As a victim of this incident, my personal and financial information has been compromised, leading to significant distress and ongoing issues with identity theft. Equifax is inaccurately reporting my Social Security Number, posing a significant risk to my financial security and identity integrity. You have not supplied proof under the doctrine of estoppel by silence XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX I may presume that no proof of the alleged debt nor therefore any such debt in fact exists.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-02 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: IN

Complaint narrative:
I am writing to formally express my concerns and frustration regarding the XXXX data breach that occurred in XXXX. As a victim of this incident, my personal and financial information has been compromised, leading to significant distress and ongoing issues with identity theft. XXXX is inaccurately reporting my Social Security Number, posing a significant risk to my financial security and identity integrity. You have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt nor therefore any such debt in fact exists.

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 2024-10-03 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: NY

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 confidentially under XXXX XXXX XXXX. 

TD Auto Finance : A/c # XXXX, target XXXX bank XXXX : XXXX, XXXX XXXX Bank A/c XXXX XXXX XXXX XXXX Bank XXXX # XXXX ; XXXX XXXX XXXX XXXX A/c # XXXX ; XXXX XXXX XXXX  # XXXX, XXXX - XXXX # XXXX, XXXX - XXXX # XXXX, XXXX XXXX SERVICES XXXX A/C # XXXX ; XXXX - A/C XXXX XXXX ; XXXX XXXX XXXX XXXX NAME XXXX XXXX XXXX XXXX XXXX XXXX # XXXX ; I looked at my Experian credit report On XX/XX/year> and XXXX some things are incomplete and not XXXX XXXX And according to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to XXXX XXXX XXXX ( XXXX ) ( b ). 

According to XXXX XXXX XXXX ( i ) ( XXXX ) they are suppose to do this ( XXXX ) treatment of inaccurate or unverifiable information : ( A ) in general, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( I ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promply notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

According to XXXX XXXX XXXX ( XXXX ) XXXX they are suppose to 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 explanation
Consumer complaint received 2024-10-03 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:
I have asked XXXX, XXXX, and Transunion to remove the following from my credit report : All credit bureaus have been reporting XXXX XXXX XXXX as a collections, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. I have not been provided a validation of debt and they are in violation of the FRCA laws, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX This is inaccurate credit reporting as I have no known information about any accounts reporting. I have disputed the items, and they are still failing to remove the and are reporting incorrectly on my consumer file. I want a purchase agreement to all accounts reporting showing full ownership of such accounts and also other documents so I XXXX review to see if this is actually an account that belongs to me or remove within XXXX  days. Transunion have been reporting the following inquires and they are fraud, XXXX XXXX XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX  ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXXXXXX VIA Dealer ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX Card services ( XX/XX/XXXX ), XXXX XXXX  ( XX/XX/XXXX ). They are reporting things I had no idea was in my name and all XXXX bureau XXXX XXXX my consumer rights.

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 2024-10-03 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: MI

Complaint narrative:
I have asked XXXX, Equifax, and XXXX to remove the following from my credit report : All credit bureaus have been reporting XXXX XXXX XXXX as a collections, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. I have not been provided a validation of debt and they are in violation of the FRCA laws, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX This is inaccurate credit reporting as I have no known information about any accounts reporting. I have disputed the items, and they are still failing to remove the and are reporting incorrectly on my consumer file. I want a purchase agreement to all accounts reporting showing full ownership of such accounts and also other documents so I XXXX review to see if this is actually an account that belongs to me or remove within XXXX  days. XXXX have been reporting the following inquires and they are fraud, XXXX XXXX XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX  ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX  Dealer ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX Card services ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ). They are reporting things I had no idea was in my name and all XXXX bureau XXXX XXXX my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I have been unable to make my monthly payments on my Capital One credit card due to the increase in interest. ( 24 % to 30 % ) I requested a payment settlement to satisfy the debt and close the account. I also requested documentation showing that I agreed to this interest increase, but Capital One will not provide it. 

I sent multiple certified letters requesting email correspondence and the settlement. Due to my work schedule, I can't be on the phone, and their services are closed when I get off work.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This has been causing me undue stress and XXXX, my credit report has inquiries I don't recognize nor applied to, I did not give permission to these companies to pull up my credit report, I believe this has been fraudulently placed on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
VALIDATION AND CEASE AND DESIST Collection agency name : Credit Collection Address : Account XXXX Your NAME : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Credit Collection I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: TX

Complaint narrative:
shows as paid or paying as agreed when the account is already paid satisfactorily

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 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: MI

Complaint narrative:
I recently reviewed a copy of my credit report and notice i had fraudulent accounts on my report. please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2024-10-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I recently discovered a collection account on my credit report from National Credit Adjust ( Account Number : XXXX ), which was originally from XXXX XXXX I do not recognize or acknowledge this debt as valid. I have formally disputed the debt with the collection agency, requesting debt validation in accordance with the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and the Uniform Commercial Code ( UCC ). 

I have asked for : Proof of the original contract or agreement. 
Detailed accounting of the debt, including any fees, interest, or other charges. 
Evidence of assignment contracts or agreements showing the legal right for National Credit Adjust to collect on this debt. 
Despite my request, I have not received proper validation or verification. I believe this debt is either inaccurate or not legally enforceable. Until validation is provided, I request that all collection activities and reporting of this account to credit bureaus be halted. If validation can not be provided, I request immediate removal of this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 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: OH

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 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 2024-10-02 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.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-02 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: IL

Complaint narrative:
I find it unacceptable that there are public records on my credit report. This is causing me a lot of anxiety and distress, and I am pleading with you to remove them immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
I attended XXXX XXXX XXXX XXXX in the year of XXXX XXXX for XXXX XXXX .The school went bankrupt and left many students in debt and devastated. We still owe the loans For Careers we cant get a job in. The school closed down. We have been fighting this case it has been a lengthy and exhausting process. I filed a report with the Student Loan Ombudsman U.S. Department of Education and still waiting to hear back for my My borrower defense claim for the XXXX XXXX XXXX XXXX. 

Our loans keep moving around from XXXX which was the original creditor to XXXX  to aid advantage. 

I have student loan debt totaling out to {$28000.00} dollars with XXXX  student loans I was recently told the CFPBs investigation of XXXX  kicked off a series of efforts by state and federal agencies to examine forbearance steering and other breakdowns in the income-driven repayment program. Those efforts have resulted in more than {$50.00} XXXX in debt relief for more than XXXX XXXX borrowers who were wrongly steered into forbearance, as well as those who had payments miscounted. 

I just want this headache to be over for all the students that attended ( XXXX XXXX XXXX XXXX ) it is now XXXX and we still cant get a job with the certificates this school gave us because they lost their accreditation .please help me

Company response to consumer: Closed with explanation