vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-10 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: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I routinely check my credit report and I recently found a negative account on it. 

It shows a debt of {$250.00} owed to XXXX XXXX, but the credit report entry was placed by Transworld Systems. 

I contacted Transworld Systems and spoke to a representative who stated it was a debt owed to XXXX back in XXXX, 2022. He stated they sent letters and emails, but reported an incorrect postal address and email address. 

He also stated that even if the {$250.00} was paid, Transworld Systems would not remove the negative account from my credit report. 

I have never been contacted by XXXX XXXX nor Transworld Systems as to a debt owed. 

This entry has had a negative impact on my credit score and has caused me financial injury.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

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 2024-05-10 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: NC

Complaint narrative:
Could you please remove the inquiries reported in my report? I have already filed a dispute letter for them and am seeking a response indicating that you will address these issues.

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 2024-05-10 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION
State: PA

Complaint narrative:
During the pandemic Sallie Mae refused to help me with my loan payment and forbearance, they lied to me multiple times telling me if I paid a certain amount they would catch up my account. There was a time in XXXX  where I paid over XXXX in XXXX month to catch up and they still continued to report my account as late 11 times on my credit!!!!! Sallie Mae does whatever they want and abuses people with their insane interest forces people to pay insane rates in which their balance will never be paid off. I was not educated when I took this loan out how severe the interest was and then on top of that they can ruin people by reporting they were late 11 times when I made multple calls to try to catch up and paid a ton of money to catch up. Sallie mae needs to remove the late payments from my credit 11 times or I am filing a class action against them for many reasons

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 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: TX

Complaint narrative:
After examining my credit report, I observed inaccuracies in the listed accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-10 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: TX

Complaint narrative:
After examining my credit report, I observed inaccuracies in the listed accounts.

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 2024-05-10 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: TX

Complaint narrative:
I saw that I have an unauthorized credit inquiry

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-10 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: TX

Complaint narrative:
I saw that I have an unauthorized credit inquiry

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 2024-05-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 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: NY

Complaint narrative:
Apparently, XXXX XXXX XXXX XXXX  charged off debt on my credit report. I have reached out to rectify the issue, I sent a letter opting out of all consent. I would like this income removed 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 non-monetary relief
Consumer complaint received 2024-05-10 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: TX

Complaint narrative:
I noticed unauthorized credit inquiries on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 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: NC

Complaint narrative:
I see some items on my credit report that I dont know. It looks like someone might have stolen my identity because I didnt approve these accounts. Ive talked about this before, and now Im asking for these accounts to be taken off my report quickly. Having these accounts on my report is causing me stress. They dont show my real credit history or how I handle money, and its been hard dealing with this. If we cant fix this, Im ready to go to court to protect my rights and find a solution. These wrong items on my credit report are a big problem for me. Theyre stopping me from reaching important money goals, like buying a house and supporting my family. I hope we can fix this problem soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: The Moore Law Group
State: CA

Complaint narrative:
I received a notice vie mail that a complaint has been filed in the Superior Court of California XXXX XXXXXXXX XXXX XXXXXXXX by XXXX XXXX of The Moore Las Group for XXXX XXXX XXXX. Re : unpaid debt of {$3000.00} on a XXXX XXXX XXXX XXXX XXXX credit card. I have never had this card. Neither XXXX nor XXXX XXXX XXXX XXXX has any record of a card issued to me or of this debt. There is no record of this debt on any of my credit reports. I have never been notified of this debt. 

This appears to be a false filing by The Moore Law Group to extort money from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 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: FL

Complaint narrative:
I was having a hard time last year was forced to fall behind due to multiple unforeseen events no fault of my own. I contacted XXXX XXXX in XXXX to resolve my delinquent issues. I was offered a payment plan for 8 months. I paid over my normal minimum payment with a 8 months payment plan. The entire payment place since XXXX was PRESCHEDULED and on AUTO PAY. XXXX continue to report my account reach month as being late when all of the payment has been made ON TIME and AUTOMATICALLY. I disputed the error and XXXX would just go an report my account XXXX late right after. Case in point they removed the recent XXXX error and yesterday I receive a notification they reported my account as late again.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-10 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: Exeter Finance, LLC.
State: PA

Complaint narrative:
In accordance with the FCRA XXXX XXXX # XXXX ...., has violated my rights 15 USC 1681 Section 602 states I have the right to privacy 15USC 1681 Section 604A Section 2 : also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681a - Definitions ; rules of construction Exclusions except as provided in paragraph the term " consumer report '' does not include any report containing information soley as to transactions or experiences between the consumer and the person making the report 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 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: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
In accordance with the FCRA XXXX XXXX # XXXX ...., has violated my rights 15 USC 1681 Section 602 states I have the right to privacy 15USC 1681 Section 604A Section 2 : also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681a - Definitions ; rules of construction Exclusions except as provided in paragraph the term " consumer report '' does not include any report containing information soley as to transactions or experiences between the consumer and the person making the report 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 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: LEXISNEXIS
State: NJ

Complaint narrative:
In XXXX, XXXX, XXXX, and XXXX, I discovered XXXX, XXXX XXXX, XXXX, XXXX XXXX, etc. breached my trust selling personal, sensitive, and credit information to foreign entities damaging my credit history. 15 US Code 1681 2 2 ( A ) mention companies violate laws reporting information to consumer reporting agencies. I read a person shall not offer any information to any consumer reporting agency if the person knows, or has reasonable cause to believe, the information is inaccurate because that is a violation of privacy. 15 US Code 1681 B 2 ( a ) states, no entity can list information in my consumer report without my written permission. US Code 1028 ( a ) reports information offered without my written permission is identity theft and listing inaccurate and personal information is illegal and must be removed at once due to non-validity. I presume that no proof of the alleged debts exist. It is unfair agencies write off debts decreasing their tax burden when unfairly increasing mine. 

Identity thieves exploited a security weakness on credit reporting websites. XXXX et al requires that those seeking a copy of their credit report successfully answer several multiple-choice questions about their financial history. But until the end of XXXX, XXXX website allowed anyone to bypass these questions and go straight to the consumers report. All that was needed was a name, address, birthday, and Social Security number. Agencies used my Social Security number, as well as other information for fraudulent purposes. 15 USC 1681 mentions agencies reported inaccurate information on my credit report. Agencies willfully failed to delete my disputed information damaging my credit score. Said information is not valid proof for a reasonable determination complying with FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 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: NC

Complaint narrative:
I am reaching out to seek assistance in addressing and reporting inaccurate accounts to my report. Despite diligent efforts, I have been unable to ascertain its origin or relevance.

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 2024-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am reaching out to seek assistance in addressing and reporting inaccurate accounts to my report. Despite diligent efforts, I have been unable to ascertain its origin or relevance.

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 2024-05-10 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: GA

Complaint narrative:
15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft, which is what Equifax did as you had no CONTRACT or PERMISSION to report, share, trade, my information. 15 USC 1681 Section 602-604 You can not violate my privacy without my written consent which was never given. FRCA Section 605- According to the Fair Credit Reporting Act ( FCRA ) Section 605 B. It is illegal to report information on my credit report without my permission. 15 USC Code 1681b-Permissible purposes of consumer reports ( a ) IN GENERAL Subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other; ( 2 ) Under the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report, which you have violated my rights to privacy as a consumer. NO CONSENT IS IDENTITY THEFT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 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: GA

Complaint narrative:
I hope this letter finds you well. I recently obtained a copy of my credit report and noticed multiple discrepancies, including unauthorized inquiries and conflicting information on the same accounts across the credit bureaus. 

These discrepancies include differing account numbers, dates of last activity, last payment dates, balances, account statuses, and original balances. The listed accounts are as follows : XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX XXXX Important dates Inquiry date XX/XX/XXXX XXXX XXXX XXXXXXXX Important dates Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX XXXXXXXX XXXX Important dates Inquiry date XX/XX/XXXX XXXX XXXX XXXXXXXX Important dates Inquiry date XX/XX/XXXX I request that you provide me with complete documentation related to these accounts. This should include the original contract bearing my wet signature, full transaction history from the date of account opening to the present or closure, and any other documentation used to verify the accuracy of the accounts. 

I want to remind you of your obligations under 15 U.S. Code 1681e ( b ), which necessitates following reasonable procedures to assure the maximum accuracy of the information relating to the individual on the report.

Furthermore, under 15 U.S. Code 1681i ( a ) ( 5 ), in the event of any disputed information being found inaccurate, incomplete, or unverifiable during any reinvestigation, the consumer reporting agency must promptly delete or modify that information and notify the furnisher about this alteration or deletion.

As such, I expect a thorough investigation into this matter. If you're unable to provide verifiable proof within 15 business days after your investigation, the disputed accounts and/or the listed information must be removed. 

Enclosed you will find copies of my ID and a utility bill for identity and address verification. 

Looking forward to your prompt 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 non-monetary relief
Consumer complaint received 2024-05-10 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: LA

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 response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
Unable to remove freeze or dispute false information no steps taken to validate information furnished also no positive payment history when much positive history suppressed not fair and equitable and no payments late are to be on report under 15 USC 1666B. 15 USC 1691A. HJR 192.

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 2024-05-10 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: TX

Complaint narrative:
Upon reviewing my credit report, I've noticed discrepancies and inaccurate activities associated with the following accounts.

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 2024-05-10 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: IL

Complaint narrative:
I contacted the credit bureaus on my behalf to fix these inaccurate information and I put in the report as well see attachments

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 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: IL

Complaint narrative:
I contacted the credit bureaus on my behalf to fix these inaccurate information and I put in the report as well see attachments

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