vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-05 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 was contacted by XXXX XXXX about an account that they purchased from XXXX XXXX. I did not open this XXXX XXXX credit card and have no knowledge of it or the charges shown. I disputed it on XXXX XXXX when I first noticed it. They did not agree with the dispute. I did not pay it. XXXX bought the debt. I started working at a company where I need a federal license and it is damaging my credit score so I was told by an attorney to agree to make payments to clear it since it was less than {$500.00} to do so. I made a payment arrangement and they pulled the first installment on XX/XX/21. I agreed to payments every two weeks thereafter until paid in full by XXXX. Another attorney got involved to resolve two other incidents with an identity theft claim and I was told to call XXXX and cancel the payment plan. I did so last Thursday. They would not provide a confirmation number or email confirming that the original plan was put in place nor that the cancellation was put into effect but I was assured they would not pull further payments. This morning, I found that they hit my bank account for {$100.00} again. I contacted the bank who advised that they showed a payment plan set for the future payments as well. I have to go to the bank to pay {$30.00} to put a stop payment on the company so they do not continue to pull unauthorized payments. The original XXXX XXXX card is being investigated by my attorney at this time as well. I would like to request that this be removed from my credit report as it is damaging and is not my debt to begin with. Thank you for your time. I will be reporting a second issue with my credit report under separate cover.

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 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I was contacted by XXXX XXXX about an account that they purchased from XXXX XXXX. I did not open this XXXX XXXX credit card and have no knowledge of it or the charges shown. I disputed it on XXXX XXXX when I first noticed it. They did not agree with the dispute. I did not pay it. XXXX bought the debt. I started working at a company where I need a federal license and it is damaging my credit score so I was told by an attorney to agree to make payments to clear it since it was less than {$500.00} to do so. I made a payment arrangement and they pulled the first installment on XX/XX/year>. I agreed to payments every two weeks thereafter until paid in full by XXXX. Another attorney got involved to resolve two other incidents with an identity theft claim and I was told to call XXXX and cancel the payment plan. I did so last Thursday. They would not provide a confirmation number or email confirming that the original plan was put in place nor that the cancellation was put into effect but I was assured they would not pull further payments. This morning, I found that they hit my bank account for {$100.00} again. I contacted the bank who advised that they showed a payment plan set for the future payments as well. I have to go to the bank to pay {$30.00} to put a stop payment on the company so they do not continue to pull unauthorized payments. The original XXXX XXXX card is being investigated by my attorney at this time as well. I would like to request that this be removed from my credit report as it is damaging and is not my debt to begin with. Thank you for your time. I will be reporting a second issue with my credit report under separate cover.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-05 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 was contacted by XXXX XXXX about an account that they purchased from XXXX XXXX. I did not open this XXXX XXXX credit card and have no knowledge of it or the charges shown. I disputed it on XXXX XXXX when I first noticed it. They did not agree with the dispute. I did not pay it. XXXX bought the debt. I started working at a company where I need a federal license and it is damaging my credit score so I was told by an attorney to agree to make payments to clear it since it was less than {$500.00} to do so. I made a payment arrangement and they pulled the first installment on XX/XX/year>. I agreed to payments every two weeks thereafter until paid in full by XXXX. Another attorney got involved to resolve two other incidents with an identity theft claim and I was told to call XXXX and cancel the payment plan. I did so last Thursday. They would not provide a confirmation number or email confirming that the original plan was put in place nor that the cancellation was put into effect but I was assured they would not pull further payments. This morning, I found that they hit my bank account for {$100.00} again. I contacted the bank who advised that they showed a payment plan set for the future payments as well. I have to go to the bank to pay {$30.00} to put a stop payment on the company so they do not continue to pull unauthorized payments. The original XXXX XXXX card is being investigated by my attorney at this time as well. I would like to request that this be removed from my credit report as it is damaging and is not my debt to begin with. Thank you for your time. I will be reporting a second issue with my credit report under separate cover.

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 2024-11-05 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: PR

Complaint narrative:
XXXX granted a {$2000.00} credit card limit in XXXX. Not only did I make payments, but they have been reporting for years a balance of {$7400.00} that I have reported not only fraudulent but unauthorized charges. 

How is a {$2000.00} credit card limit charged {$7400.00}? And no information on my payments to card and consistently reporting a verified as accurate. In XXXX, I submitted a police report in XXXX, XXXX. I have not lived in XXXX in over 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 2024-11-05 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: PR

Complaint narrative:
XXXX granted a {$2000.00} credit card limit in XXXX. Not only did I make payments, but they have been reporting for years a balance of {$7400.00} that I have reported not only fraudulent but unauthorized charges. 

How is a {$2000.00} credit card limit charged {$7400.00}? And no information on my payments to card and consistently reporting a verified as accurate. In XXXX, I submitted a police report in XXXXXXXX XXXX I have not lived in XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 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: PR

Complaint narrative:
XXXX granted a {$2000.00} credit card limit in XXXX. Not only did I make payments, but they have been reporting for years a balance of {$7400.00} that I have reported not only fraudulent but unauthorized charges. 

How is a {$2000.00} credit card limit charged {$7400.00}? And no information on my payments to card and consistently reporting a verified as accurate. In XXXX, I submitted a police report in XXXXXXXX XXXX  I have not lived in 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 2024-11-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Uprova Credit, LLC
State: NJ

Complaint narrative:
The actual terms were not provided to me until after I had agreed and the first payment was taken out. I'm shocked they have not been shut down already. I have experience with loans and they flat out lied. I took a {$500.00} payday loan and after reading the terms the interest amount appeared reasonable. When I logged in after the first payment was taken out its showing I will be paying it back on a 538 % interest rate. I borrowed {$500.00} and am supposed to pay back {$1800.00} with no early payoff program. I will attach screenshots in the section below. Is this something I can get out of? The screenshots below were not shown to me until after signed up and first payment taken. Prior to that the sign up terms were very vague it show a very small interest amount. I would have never considered a 538 % loan.

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 2024-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 2024-11-05 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to 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 2024-11-05 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: GA

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 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 2024-11-05 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: AR

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX looked at my Equifax 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally lodge a complaint against Experian regarding their failure to adequately respond to and investigate my credit report disputes. Despite submitting the necessary documentation and clearly outlining the inaccuracies, Experian has replied with a stall tactic letter that does not address my concerns or initiate a thorough investigation as required by the Fair Credit Reporting Act ( FCRA ). 

This delay undermines my right to accurate credit reporting and causes undue stress and potential financial harm. I request that the CFPB review this matter and take appropriate action to ensure that Experian fulfills their legal obligations to consumers and conducts a fair and prompt investigation into my disputes.

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 2024-11-05 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:
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 response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: NV

Complaint narrative:
Debt Validation Request To Whom It May Concern, I am formally requesting that you validate the alleged debt as reported to me. This request is made pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following documentation to verify the debt : Proof of Ownership : Documentation or a signed agreement with the original creditor verifying that the debt belongs to me, including my signature.

Debt Assignment : If this debt was sold or assigned to your agency, please provide proof of assignment or transfer of this debt from the original creditor to your agency.

Account Statements and Payment History : Full itemized statement detailing the original amount, payments made, and how the current balance was calculated.

Breakdown of Fees and Interest : Documentation showing any fees or interest added to the balance, along with the authority by which these charges were applied.

Statute of Limitations Verification : Confirmation that this debt is within the statute of limitations and can still be legally collected in my state.

Please consider this letter a written dispute of the debt, and do not report this alleged debt to any credit reporting agency until you provide adequate validation. If you have already reported this debt, please inform the credit reporting agencies that the debt is disputed under the FDCPA.

Please be advised that I am not acknowledging or accepting responsibility for this debt unless you provide proof that it is valid. Until such documentation is provided, cease all collection activities related to this matter. 

Thank you for your prompt attention to this request. I expect a response within the legally allotted 30 days. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 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: NJ

Complaint narrative:
My credit report contains billing errors, with late payments inaccurately listed. Please correct these mistakes and revise 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 non-monetary relief
Consumer complaint received 2024-11-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
Amsher Collections reported a collections account of {$2200.00} from XXXX XXXX XXXX to all three credit bureaus. This information is incorrect, and despite disputing it multiple times, it remains on my credit report. 

In XXXX, when the collections account was first reported, I called to request a debt validation letter and to dispute this erroneous information. However, a debt validation letter was not sent. In XXXX, I received a letter from Amsher Collections instructing me to call before XX/XX/XXXX if the account was not mine or if there was incorrect information being reported. I called on XX/XX/XXXX, disputed the account, and requested a debt validation letter, which should have been provided within thirty days of the debt being reported. 

I want to clarify a few points : 1. I paid the entire amount to XXXX when I closed my account in XXXX. 
2. I never owed {$2200.00} at the time of closure ; the remaining balance was paid in full to XXXX XXXX XXXX, and they unlocked my IMEI number to be able to move carrier. If the account had not been paid fully they would not have unlocked my IMEI number 3. On XX/XX/XXXX, Amsher Collections acknowledged inconsistencies during our conversation and stated that they would dispute the account, yet it has not been removed. 

When I saw an updated report on XX/XX/XXXX, I called Amsher again. This time, a representative informed me that they were no longer handling the account and instructed me to contact a law firm. However, the credit bureaus still reported Amsher as the collections agency for the debt. 

Here are the major issues I am facing : - The debt amount is incorrect ; I paid off the entire balance before closing my account with XXXX XXXX XXXX. 
- The debt continues to be reported as a collections account on all three of my credit bureau reports. 
- I called Amsher four times to dispute the debt and request a debt validation letter, but neither has been provided. 
- On XX/XX/XXXX, an Amsher representative acknowledged inconsistencies with the account and assured me it would be removed. 
- On XX/XX/XXXX, I called Amsher again and was told that they no longer handle the account and that a law firm is now responsible for it. This was surprising because no one had informed me of this during my previous calls, and no debt validation letter had been provided to confirm that the amount and debt were mine. 
- When I called the law firm using the number given by the agent, it turned out to be a non-working number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

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 2024-11-05 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: GA

Complaint narrative:
The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation