vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-07 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: FL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-11-07 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: IA

Complaint narrative:
I AM WRITING TODAY IN REFERENCE TO SEVERAL FRAUDULENT ACCOUNTS, UNAUTHORIZED HARD INQUIRES, AND INCORRECT PERSONAL INFORMATION THAT KEEP APPEARING ON MY CREDIT REPORT. THESE THINGS DO NOT BELONG TO ME AND SHOULD NOT BE SHOWING UP AGAINST ME. I DEMAND THAT THEY BE REMOVED IMMEDIATLEY. THIS IS THE SECOND TIME THAT I'VE WRITTEN YOU REQUESTING A 'PROOF OF CONTRACT FROM THE CREDIT BUREAUS AND THE COMPANIES LISTED IN MY IDENTITY THEFT REPORT AFFIDAVIT. MORE THAN 30 DAYS AGO I WROTE AND REQUESTED "PROOF" OF THE ORIGINAL CONTRACT WHICH CONTAINS MY SIGNATURE IN REGARDS TO THESE FRAUDULENT ACCOUNTS TO THE CREDIT BUREAUS. THE CREDIT BUREAUS NEVER PROVIDED ME WITH ANY PROOF THAT A CONTRACT EXIST, NOR DID THEY RESPOND BACK TO ME.

TransUnion
FARUDULENT AND UNKNOWN ACCOUNTS XXXX XXXX XXXX XXXX, date opened XXXX, balance XXXX, XXXX XXXX XXXX, acc # XXXX, date
opened XXXX, balance XXXX XXXX XXXX XXXX., acc# XXXX, date opened XXXX, balance XXXX XXXX XXXX XXXX, Acc# XXXX, date opened XXXX, balance XXXX, XXXX XXXX XXXX, acc# XXXX.
date opened XXXX, balance XXXX
UNAUTHORIZED HARD INQUIRES
XXXX XXXX, date opened XXXX XXXX XXXX XXXX
.FRAUDULENT ACCOUNT'S
XXXX XXXX XXXX acc # XXXX, date opened, XXXX XXXX XXXX, balance XXXX, XXXX XXXX XXXX,
acc # XXXX, date opened, XXXX XXXX XXXX, balance XXXX, XXXX XXXX XXXX, acc # XXXX, date
opened, XXXX XXXX XXXX, balance XXXX, XXXX XXXX XXXX, acc # XXXX, date opened XXXX XXXX XXXX,
balance XXXX  FRAUDULENT HARD INQUIRES XXXX, date opened XXXX XXXX XXXX XXXX  FRAUDULENT ACCOUNTS
XXXX, acc# XXXX, date opened XXXX, balance XXXX, XXXX XXXX XXXX, acc# XXXX,
date opened XXXX, balance XXXX, XXXX XXXX XXXX acc# XXXX, date opened XXXX, balance
XXXX, XXXX XXXX XXXX, acc# XXXX, date opened XXXX, balance XXXX, XXXX XXXX XXXX, acc#
XXXX, date opened XXXX, balance XXXX, XXXX XXXX, acc# XXXX, date opened XXXX, balance 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 2024-11-07 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: OK

Complaint narrative:
I hope this letter finds you well. I am writing to seek your assistance in updating several accounts on my credit report. I have noticed that certain information pertaining to these accounts is outdated or incorrect, and I am keen to have my report accurately reflect my current financial situation.

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 2024-11-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I disputed the old address and employment on my credit reporting, and they returned as verified.

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 2024-11-07 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX HL # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX # XXXX Account Name : XXXXXXXX XXXX XXXXXXXX # XXXX Account XXXX : XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC
State: MI

Complaint narrative:
I called to find out why an update regarding the account 's payoff had not been done and was told it would take up to 3 months. In the meantime, my credit score is decreasing, and late payments are showing due to the mortgage company 's lack of action.

I have also included below copies of 1. The payoff letter from the mortgage company and 2. The bank wire transfer payment order receipt.

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 2024-11-07 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 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: FL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2024-11-07 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: IL

Complaint narrative:
The inquiry was not authorized by me, and I did not communicate with this lender on the specified date.

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 2024-11-07 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: KY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I 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 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 2024-11-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: J J Marshall & Associates, Inc
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MI XXXX Date : XXXX XXXX To : Dispute Department Subject : Dispute of Re-Reported Medical Debt Hello, I am writing to formally dispute a {$25000.00} medical debt reappearing on my credit report under the account " J J Marshall Associates. '' This debt was previously removed from my credit report in XX/XX/XXXX following a successful complaint filed with the Consumer Financial Protection Bureau ( CFPB ) under Case # XXXX. 


The CFPB confirmed that this debt was not my responsibility, and it was removed as a result. The debt originates from XXXX XXXX  provided by XXXX XXXX XXXX XXXX XXXX. These services were requested by XXXX XXXX XXXX of XXXX XXXX XXXX XXXX due to injuries I sustained in an auto accident on XX/XX/XXXX. This treatment was recommended by XXXX XXXX  based on his professional assessment of my needs following the accident, and I trusted his expertise in ordering this necessary care. 

XXXX XXXX initially handled the claim under Claim # XXXX. However, they now assert that the procedures were unrelated to the accident. I acted in good faith, following XXXX XXXX prescribed treatment, and expected that the insurance would cover these costs based on his orders. The repeated reporting of this debt on my credit report is therefore erroneous and has caused undue harm to my credit standing.

Furthermore, J J Marshall Associates was informed of my legal representation by XXXX XXXX XXXX in XXXX Michigan, and should have directed any inquiries to my attorney. The debt 's reappearance on my credit report, despite clear indications of my lack of responsibility for these charges, raises concerns about adherence to proper reporting practices.

Please find attached the following documents to support my dispute : Recent Credit Report showing the re-reported debt.

CFPB Resolution Documentation ( Case # XXXX ) : Documentation confirming the previous resolution and removal of this debt. 

XXXX XXXX XXXX XXXX ( Claim # XXXX ) : Proof of XXXXXXXX XXXX initial handling of these charges. 
Referring Physician Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone : ( XXXX ) XXXX Legal Representation Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Contact Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Phone : XXXX ( XXXX ) Claim Number : # XXXX I respectfully request that you investigate this matter and remove this erroneous entry from my credit report. Please notify me of the outcome of your investigation at your earliest convenience.

Thank you for your attention to this matter.

Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MI XXXX Phone : XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Bread Financial Holdings, Inc.
State: IA

Complaint narrative:
I have tried applying for a bread financial loan through XXXX ( which I have done in the past and always repaid ). They have denied me saying my credit score from XXXX is XXXX ( Its not. ) and then the next day itll give me another email saying my credit score is XXXX. Ive contacted XXXX and got confirmation that it is not on their end. I contacted the executive office of bread financial and they just keep saying they would get back to me. There have been numerous issues and I feel like they are now doing this because of a previous complain made to them because they were reporting two separate XXXX accounts on my credit report even though I only had one. I feel like this is just their way of denying me. I have now lost out on sale items and have spent a lot of time trying to get this resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC
State: NY

Complaint narrative:
I'm unaware of this debt. I didn't have an opportunity to dispute this debt. I did NOT receive proper notification. If in fact you believe you gave me proper notification then please send me the certified mail with a receipt with my signature on it stating I received it.

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 2024-11-07 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: TX

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA

Complaint narrative:
I opened a new Walmart Rewards Card with CapitalOne around XXXX of 2024. I opened this account because the offering was 5 % Cashback on all Walmart.com and Walmart XXXX purchases. However, in XXXX, I was notified that CapitalOne was closing my account, without my permission, and changing the account to a Quicksilver Account ( which I already had that same account type open with them ). So I feel I have been defrauded, as the only reason I opened this account ( which negatively impacted my credit score for a new account and age of accounts ), was for the rewards offerings. Again, I already have a Quicksilver account, and do not need two of the same accounts/cards. CapitalOne made no attempt to offer a different type of account ( such as Venture Card, Savor Card, etc. ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 2024-11-07 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: KY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I 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 2024-11-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I'm writing to bestow my XXXX  concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.

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 2024-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
address that does not belong to me is on my credit report and shouldn't be, my current address is only XXXX XXXX  XXXX XXXX XXXX NC 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 2024-11-07 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: MI

Complaint narrative:
I just recently looked at my credit report on XX/XX/XXXX, XXXX i saw some hard inquiries that did not have my permissible purpose. I also attached evidence. 

XXXX, EQUIFAX, XXXX of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ON XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX ON XXXX XXXX XXXX XXXX ON XX/XX/XXXX. 
XXXX XXXX ON XX/XX/XXXX These inquiries have no permissible purpose to be on my report. delete these inquiries due to violaton of 15 USC 1681b

Company response to consumer: Closed with non-monetary relief