vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-20 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:
After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of the accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that i did not authorized or signed a contract for must be removed off my credit report in 4 days. 

These fraudulent accounts are not only damaging my credit but also causing my significant stress and anxiety. I have no connection to these to these account accounts and urgently request their immediate removal to prevent further harm to my financial well-being.

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 2024-12-20 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: CA

Complaint narrative:
After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of the accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that i did not authorized or signed a contract for must be removed off my credit report in 4 days. 

These fraudulent accounts are not only damaging my credit but also causing my significant stress and XXXX. I have no connection to these to these account accounts and urgently request their immediate removal to prevent further harm to my financial well-being.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 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: CA

Complaint narrative:
After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of the accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that i did not authorized or signed a contract for must be removed off my credit report in 4 days. 

These fraudulent accounts are not only damaging my credit but also causing my significant stress and XXXX. I have no connection to these to these account accounts and urgently request their immediate removal to prevent further harm to my financial well-being.

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 2024-12-20 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: FL

Complaint narrative:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries from 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 2024-12-20 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: NE

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

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 2024-12-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I've been HARASSED FOR YEARS by the creditors for XXXX, an Internet Service Provider. I switched to a different ISP because their service was unreliable. I even recorded XXXX phone calls with their employees, who were telling me to try different things in order to get the Internet service I was paying for. I sent them and their 1st creditor copies of this recording! XXXX became angry because I switched to XXXX. I DON'T OWE THEM A XXXX! They owe me {$10.00} for the last week I paid for their service but didn't receive. 
I have sent letters in response to THE LATEST creditor that is harassing me. Then they eventually give up and hand me over to YET ANOTHER CREDITOR! ENOUGH ALREADY!!! I'm NEVER GIVING THEM A DIME. I refuse to keep paying for something they can't provide me with! I've been homeless for the last year and no longer have copies of the letters I sent them disputing their claim. My life IS VERY STRESSFUL as it is, and I don't need EVEN MORE XXXX to deal with!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
Account with XXXX was paid off in full in XXXX. Found out in XXXX about late fees with company for {$6.00} in interest every month since then. Asked to pay the account interest in off ( which should have happened to begin with ) and close the account. Commenity Bank rep told me he could not do and that I would have another interest charge next month. This was about to create a vicious cycle. Was transfered to supervisor. Supervisor took payment for fees and claimed they closed account with a receipt coming to my email. Receipt was never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Recipient Name or Department XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, PA, XXXX ] Subject : Fraudulent Account Dispute Dear XXXX XXXX and co or " To Whom It May Concern '', I am writing to dispute an account that appears on my credit report ( or statement ) and that I believe has been opened fraudulently in my name. I discovered this account on [ date you discovered it ], and it has caused significant concern. 
Details of the fraudulent account : Creditor/Company Name : XXXX XXXXXXXX XXXX XXXX  Account XXXX : XXXX Amount : {$2100.00} Date : XX/XX/year> I did not open this account, nor did I authorize anyone else to do so on my behalf. This account is not mine and should be removed from my records immediately. I have taken steps to protect my identity, including filing a police report ( if applicable ) and placing a fraud alert on my credit file with the major credit bureaus. 
Enclosed, you will find the following documents to support my dispute : A copy of my government-issued ID ( e.g., drivers license, passport ). 
A copy of my credit report highlighting the fraudulent account. 
A copy of my police report or FTC XXXX Theft Report ( if applicable ). 
Any additional documents you require to verify my claim. 
Please investigate this matter and remove the fraudulent account from my records. I request that you provide me with a written confirmation of your findings and actions within 30 days. 
If you require any additional information, feel free to contact me at [ your phone number ] or [ your email address ]. 
Thank you for your prompt attention to this matter. 
Sincerely, 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 2024-12-20 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: WA

Complaint narrative:
XXXX XXXX XXXX Has been changing the first date of delinquency on both my old auto and credit card to both Equifax and XXXX. 

By doing this they have prevented me from seeking the employment I desire and the ability to reestablish credit. 

I have contacted XXXX XXXX XXXX for records, which confirms my statements are valid. Still, they have ignored the facts, knowing that I would need to take them to court. 

I have contacted both Equifax and XXXX, they can both see in the history of XXXX XXXX XXXX. credit reporting, that both of these accounts started to be delinquent in XXXX of 2017. 

I ask that XXXX XXXX XXXX Equifax, and XXXX remove these two accounts from my credit file for good. My next step is through court system, where I will seek damages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 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: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

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 2024-12-20 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:
This CFPB complaint has been filed to request pursuant to FRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX  XXXX XXXX XXXX opened XX/XX/XXXX balance {$1700.00} and XXXX XXXX XXXX XXXX opened XX/XX/XXXX balance {$230.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud

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 2024-12-20 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: SC

Complaint narrative:
I am writing to formally lodge a complaint regarding XXXX XXXX XXXX and their handling of my student loan account, which has significantly impacted my credit report and, consequently, my ability to secure a home loan. 

Recently, XXXX changed its company name, but in doing so, they made errors in credit reporting that have caused serious financial harm. Specifically, I have discovered that duplicate accounts were created under both the old and new company names, each listing the same loan balance. This resulted in an inflated total amount owed on my credit report, effectively doubling the debt reflected in my credit history. All XXXX credit bureaus reflect this discrepancy. XXXX stated mortage companies use 3rd party companies that could have made the mistake. After speaking with the mortage company they confirmed the duplication shows with all 3 bureaus. The amount of time and effort to correct this is unknown, it could takes months and now the burden falls upon me. A full time teacher, mom and wife. 

As a result of this negligence, my credit score has dropped, and I am now facing difficulties in securing a mortgage, which has caused considerable distress. The appearance of these duplicate accounts on my report has led to confusion with potential lenders, who have been misled by the inflated debt amounts. 

I respectfully request that CFPB investigate this issue with XXXX and facilitate the correction of these errors, ensuring that my credit report accurately reflects the true amount owed without any duplication. Furthermore, I would appreciate any assistance you can provide in addressing the damage caused to my credit score and the ongoing difficulties in securing a home loan due to these reporting errors.

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 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to formally lodge a complaint regarding XXXX XXXX XXXX and their handling of my student loan account, which has significantly impacted my credit report and, consequently, my ability to secure a home loan. 

Recently, XXXX changed its company name, but in doing so, they made errors in credit reporting that have caused serious financial harm. Specifically, I have discovered that duplicate accounts were created under both the old and new company names, each listing the same loan balance. This resulted in an inflated total amount owed on my credit report, effectively doubling the debt reflected in my credit history. All 3 credit bureaus reflect this discrepancy. XXXX stated mortage companies use 3rd party companies that could have made the mistake. After speaking with the mortage company they confirmed the duplication shows with all 3 bureaus. The amount of time and effort to correct this is unknown, it could takes months and now the burden falls upon meXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

As a result of this negligence, my credit score has dropped, and I am now facing difficulties in securing a mortgage, which has caused considerable distress. The appearance of these duplicate accounts on my report has led to confusion with potential lenders, who have been misled by the inflated debt amounts. 

I respectfully request that CFPB investigate this issue with XXXX and facilitate the correction of these errors, ensuring that my credit report accurately reflects the true amount owed without any duplication. Furthermore, I would appreciate any assistance you can provide in addressing the damage caused to my credit score and the ongoing difficulties in securing a home loan due to these reporting errors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 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: SC

Complaint narrative:
I am writing to formally lodge a complaint regarding XXXX XXXX XXXX and their handling of my student loan account, which has significantly impacted my credit report and, consequently, my ability to secure a home loan. 

Recently, XXXX changed its company name, but in doing so, they made errors in credit reporting that have caused serious financial harm. Specifically, I have discovered that duplicate accounts were created under both the old and new company names, each listing the same loan balance. This resulted in an inflated total amount owed on my credit report, effectively doubling the debt reflected in my credit history. All 3 credit bureaus reflect this discrepancy. XXXX stated mortage companies use XXXX party companies that could have made the mistake. After speaking with the mortage company they confirmed the duplication shows with all XXXX bureaus. The amount of time and effort to correct this is unknown, it could takes months and now the burden falls upon me. A full time teacher, mom and wife. 

As a result of this negligence, my credit score has dropped, and I am now facing difficulties in securing a mortgage, which has caused considerable distress. The appearance of these duplicate accounts on my report has led to confusion with potential lenders, who have been misled by the inflated debt amounts. 

I respectfully request that CFPB investigate this issue with XXXX and facilitate the correction of these errors, ensuring that my credit report accurately reflects the true amount owed without any duplication. Furthermore, I would appreciate any assistance you can provide in addressing the damage caused to my credit score and the ongoing difficulties in securing a home loan due to these reporting errors.

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 2024-12-20 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Im deeply frustrated to see unauthorized inquiries on my credit report today, and I have no idea why. I refreshed my browser, hoping it was a glitch, but the issue persists. Please review the documents Ive sent and resolve this promptly so I can feel secure again.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM

Complaint narrative:
Today I received a call from a Debit collector about a car that I got a loan back in XXXX and was repro/resold at auction. Yet they claim that Bank of America, made attempts to settle the remaining balance back in XXXX - XXXX. But I don't remember any attempt of collection. I have got several loans and vehicle, but that so called debit was never in my credit report. Isn't there a status of limitation on this type of collection. For the Man on the call claim it was for a vehicle back in XXXX and not it's XXXX. Yet no letter 's certified or non certified collection letter. 

While Yelling at me and telling to shut up and listen, Yet I was trying to get information and he keep refusing to repeat himself or give me any information on the debit, but just keep telling me to shut up and listen to him. That his company had sent a certified letter to my current address and I asked him when and if I could even give me any real dates. If they had set a letter and was returned, then should they have sent a certified letter asking for signature? 

He was really rude and not willing to help and keep on threatening me of court, but refusing to give me any information about the loan or the debit. This is already beyond the status of limitation for any debit, because the Loan and repro was back in XXXX and it's now XXXX. Base on Arizona and New Mexico have status of limitation for debit collection and this company has exceeded the status of limitation on this debit. 

Plus this is the XXXX call case XXXXXXXX XXXX XXXX XXXX XXXXXXXX.

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 2024-12-20 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: NC

Complaint narrative:
This morning, I was alarmed to find unauthorized inquiries on my credit report. Despite refreshing my browser several times, the issue wasnt resolved. I demand an immediate investigation into the documents Ive provided to ensure this doesnt happen again.

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