vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-03 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: FL

Complaint narrative:
I recently checked my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2024-06-03 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: FL

Complaint narrative:
I recently checked my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2024-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Amsher Collection Services, Inc.
State: AL

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights. They also sold a debt and my information to another company according to the FCRA law 605 B they cant report nothing on my credit report without my consent. I also noticed that my information was sold which is illegal especially without my consent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 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 have lost count of the number of letters I have sent to your bureau regarding my status as a victim of identity theft, as my concerns have yet to be fully resolved. Once again, I am disputing the fraudulent information that is adversely affecting my credit file. Despite my submission of the required FTC complaint, your bureau continues to report this fraudulent account on my credit report. I want to emphasize that I have already contacted the company associated with this account, submitted the necessary documents, and had the account promptly deleted from their records. Moreover, other credit bureaus have already removed this account from their records following the submission of the FTC complaint. Therefore, I am curious about the verification process your bureau employed to continue reporting these fraudulent account. I'd like you to remove the account from my report under your bureau. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 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: LA

Complaint narrative:
FTC Report XXXX XXXX Hello I am XXXX XXXX XXXX social security XXXX XXXX XXXX This complaint is being filed pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that your credit agency, XXXX and TransUnion, block information appearing on my consumer report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consist of a alleged auto loans with XXXX XXXX XXXX XXXX XXXX opened in XXXX XXXX XXXX Now a balance of {$17000.00}. 
This account have resulted a fraudulent inquiry from XXXX. I did not give permission to XXXX XXXX to check my consumer report. If you notice the alleged account was opened on XXXX, So why is XXXX XXXX pulling my consumer report on XXXX. I've attached a copy of consumer report showing the inquiry in question. also attached the FTC report. 
I do not recognize the aforementioned accounts, collection, and inquiry appearing on my consumer report. 

I request, pursuant to FCRA 605B ( U.S.C 1681c-2 ), that the Transunion and XXXX credit reporting agency block all of the accounts, Collections, and Hard inquiries identified in this CFBP complaint from my consumer credit file within 4 business days of receiving said complaint. I request in written communication regarding this CFPB complaint be sent via email to 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
Consumer complaint received 2024-06-03 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: Veros Credit, LLC
State: LA

Complaint narrative:
FTC Report Number XXXX XXXX I am XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This complaint is being filed pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that your credit agency, XXXX and XXXX, block information appearing on my consumer report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consist of a alleged auto loans with Veros Credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Now a balance of {$17000.00}. 
This account have resulted a fraudulent inquiry from XXXX. I did not give permission to Veros Credit to check my consumer report. If you notice the alleged account was opened on XXXX, So why is Veros Credit pulling my consumer report on XXXX. I've attached a copy of consumer report showing the inquiry in question. also attached the FTC report. 
I do not recognize the aforementioned accounts, collection, and inquiry appearing on my consumer report. 

I request, pursuant to FCRA 605B ( U.S.C 1681c-2 ), that the XXXX and XXXX credit reporting agency block all of the accounts, Collections, and Hard inquiries identified in this CFBP complaint from my consumer credit file within 4 business days of receiving said complaint. I request in written communication regarding this CFPB complaint be sent via email to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: GA

Complaint narrative:
I closed and paid my balance in XXXX of XXXX with XXXX when I moved out of my apartment. But on XX/XX/XXXX, XXXX charged my checking {$220.00}. I called shortly after, filed a complaint that I was not made aware of a cancelation fee prior and that I was not responsible of these charges. On XX/XX/XXXX, XXXX refunded my money. Then XXXX of XXXX, XXXX sent my account that had a {$0.00} balance to collect for the {$220.00}, causing my credit score to drop XXXX points. I have attempted to contact XXXX and XXXX to remove the falsified account. Both companies closed my case without proper investigation. Please see bank statement attached XX/XX/XXXX showing charge on XX/XX/XXXX and refund on XX/XX/XXXX

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 2024-06-03 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: TX

Complaint narrative:
In accordance with the fair credit reporting act account number XXXX XXXX XXXX XXXX XXXX, have violated my 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 explanation
Consumer complaint received 2024-06-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: MO

Complaint narrative:
I received information from Mohela about new transfer of loans in XX/XX/year>. This was after I received information from XXXX that made me believe my loans were forgiven and wiped. I had cried happy tears. Not even a month later, I start to receive conflicting letters from Mohela saying they were my new servicer or lender. I barely was with XXXX. I was sent a bill for almost XXXX XXXX monthly. Not even two weeks later, I received another letter stating not to pay anything because account was transferring. I also received this month, XX/XX/year>, information saying my loan is in forebearance. I am so confused.

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 2024-06-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: WA

Complaint narrative:
Ive tried to repay my student loan XXXX times and each time it goes thru but then it goes into payment reversal. Ive called customer service several times and nobody helps. Ive also called my bank and I have no credit spending problem, Im not on vacation mode. Please help me so I can pay my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 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: TN

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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 a Installment account at XXXX XXXX XXXX, opened on XX/XX/XXXX, # XXXX, a personal credit card at XXXX XXXX XXXX, opened on XX/XX/XXXX, # XXXX, a personal credit card at XXXX XXXXXXXX, opened on XX/XX/XXXX, # XXXX, a personal credit card at XXXX XXXX XXXX opened on XX/XX/XXXX, # XXXX, a personal credit card at XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, # XXXX, a secured credit card at XXXX XXXX XXXX opened on XX/XX/XXXX, # XXXX, an auto loan at XXXX XXXX XXXX opened on XX/XX/XXXX, # XXXX, and an open account at XXXX XXXXXXXX XXXX, opened on XX/XX/XXXX, # XXXX. These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts and collections as reported. The aforementioned accounts and collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and collections 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 and collections are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: SOFI TECHNOLOGIES, INC.
State: NY

Complaint narrative:
XX/XX/year> to XX/XX/year> I lost my job- I contacted Sofi and created an alternative payment agreement. The agreement was that I would pay the interest on the loan, and when I was employed again, I the principal would be recalculated. This is exactly what we did, without hitch. Sofi assured me that they would not report any of these months to the credit bureaus. They have reported all of these as MISSED PAYMENTS to the credit bureaus. Their customer support is completely ineffective, unable to help, unwilling, and my disputes from the credit reporting agencies has went unanswered. They have completely deceived me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I am writing to address several inaccuracies on my credit report regarding a voluntary repossession due to mechanical failure and catalytic issues with a vehicle that falls within the lemon category. Firstly, the account status listed does not accurately reflect my current financial standing ; it should be marked as closed. Additionally, the number of months reported for this account is incorrect ; it should be 72 months. The date of last activity is also inaccurate ; the actual date is XX/XX/year>. Furthermore, the number of months reviewed in each credit report does not align. Regarding payment status, payments were consistently made prior to the surrender in XXXX, contrary to what is reported. Lastly, the reported monthly payment amount is incorrect ; the accurate figure is {$300.00}. I kindly request that these errors be rectified promptly to ensure the accuracy of my credit report. 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 2024-06-03 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: CA

Complaint narrative:
I recently obtained a copy of my consumers credit report from your bureau and hereby dispute the completeness and accuracy of the following information. This information is injuring my consumer report and I request that you correct this information immediately. 
I assume 30 days is a reasonable amount of time for your investigation. After your investigation, please provide me with an updated credit report as well as the names, addresses and telephone numbers of the individuals that have been contacted.The information I am disputing is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I been trying to Dispute the Correctiveness of the way that XXXX is reporting on one of my accounts. I am Not stating that it DOESNT belong to Me! I'm simply saying that They are Reporting it in an ILLEGAL FASION. They are reporting LATE PAYMENTS CONTINUOUSLY on an Account That Has Been CLOSED for YEARS! 

FIRST PREMIERE ACCT # XXXX {$XXXX} Opened XX/XX/year> Last Payment XX/XX/year> SEE ATTACHED Screen Shots of Reporting Compared to XXXX! 
* This Account is XXXX XXXX XXXX anyways - Delete Account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
XXXX XXXX  bank account number XXXX Credit report is showing a balance of XXXX However, the account was closed and written off. When I reached out to the company, I was told to fill out a XXXX and file my taxes. I was not able to pay off anything on the account because the account was closed. 

I filed my taxes and it has been acknowledged by the IRS. However, it is still coming up on my credit report with a balance. I spoke to the company and they say that theres nothing else they can do but supply with a XXXX I need this trying to purchase as soon as possible.

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 2024-06-03 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I filed a complaint with you. I asked LVN funding/Resurgent not to communicate with me and I received a letter after filing this complaint and Resurgent responded to my request. I received a letter in the mail around XX/XX/year> trying to collect a debt that I do not owe them. I never signed any legal documents with this company. I again ask that you removed the items from all XXXX credit bureaus. I have asked them to cease all communication with me and to delete this collection from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 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: TN

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Installment account at XXXX XXXX Bank, opened on XX/XX/XXXX, # XXXX, a personal credit card at Bank XXXX XXXX, opened on XX/XX/XXXX, # XXXX, a personal credit card at XXXX XXXXXXXX, opened on XX/XX/XXXX, # XXXX, a personal credit card at XXXX XXXX XXXX XXXX on XX/XX/XXXX, # XXXX, a personal credit card at Grain XXXX XXXX XXXX XXXX on XX/XX/XXXX, # XXXX, a secured credit card at XXXX XXXX Bank XXXX XXXX XXXX XX/XX/XXXX, # XXXX, an account at XXXX. XXXX XXXX, opened on XX/XX/XXXX, # XXXX, an auto loan at XXXX XXXX XXXX, opened on XX/XX/XXXX, # XXXX, and an open account at XXXX XXXX XXXX, opened on XX/XX/XXXX, # XXXX. These accounts have resulted in several fraudulent collections appearing on my consumer XXXX credit report. I've attached a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts or collections as reported. The aforementioned accounts and collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts and collections 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 2024-06-03 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXXXXXX XXXX per violation and clearly they violated my 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 explanation
Consumer complaint received 2024-06-03 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: GA

Complaint narrative:
On my review of my credit report, I see an inquiry that I dont recognize, I have the credit bureau TransUnion for inquiry to be removed and they have not comply. I have attached an identity theft report. I am requesting the removal XXXX XX/XX/2024.

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 2024-06-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Murphy Law Office, LLC
State: OH

Complaint narrative:
I have requested that the items of the so-called debt be investigated. By the provisions of 15 USC 168 of the fair credit reporting act of 1970. Verification of accurate information, name address, and history. Under federal law they have 30 days to do so. They have broken federal law and have no regard to time, date, and me as a lawful citizen.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation