vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-20 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX To whom this may concern, Thank you for taking the time out of your day to read this letter. I just pulled my credit report and discovered that late payments are being reported on my consumer credit file. Im not sure if you may know, but you are violating my consumer laws by reporting this information per XXXX laws. 

These are the consumer laws that are being violated : 15 U.S. Code 1681a - Definitions ; rules of construction | U.S. Code | US Law | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information.

1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 15 USC 1681a 2 ( A ) ( i ) - EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

I would like all late payments to be changed as either : Pay as agreed OR Ok Please send the updated information to my mailing address listed above. 


Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Linebarger Goggan Blair & Sampson LLP
State: MA

Complaint narrative:
I need to renew my registration and My XXXX profile showed I have an outstanding balance with the XXXX MA, when I called them they let me know it was a collection that I never knew anything about it before. They provide me the number of the company and the account case. I called them and the agent told me to confirm my address and I asked her to tell me the address they have before to give them mine she told me they have in file XXXX XXXX XXXX, XXXX MA. I am not familiar with this address and I told her that is why I never get any notification. After this I end up giving her my right address. Then I called back to ask them if they will give me a discount to pay and solve the matter as soon as possible and they told me no and said they notified me on time to my address XXXXXXXX XXXX XXXX XXXX. I told them it wasn't true becuase and hour ago other agent told me they did not have my right address. I request them the proofs that they sent that many letters to the XXXX XXXX but they didn't like to provide them because they sent the letters to the wrong address. 
They were so rude and treat me so bad and told me that my only option to solve was to pay. I had to pay because I need to complete my registration process, but it is not fair that they don't notified me right, they don't offer me any possibility to pay or discount and then they told me I have to wait XXXX business day to solve the issue and take the report from the system in order for me to complete my registration. 
I did not have time to check if this is my debt or ask for reduction because never get notify

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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. 

Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX  Account Number:XXXX Account Name : XXXX  Account Number:XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX  Account Number:XXXX  has violated my rights. Or a list of inquiries : 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 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My information was compromised in the XXXX data breach and the following unauthorized accounts and inquiries are reporting negatively impacting my creditworthiness. I mailed a dispute letter XX/XX/XXXX and I will attach it for your reference. It is dated and time stamped. My data breach claim id is XXXX. Please see attached FTC report. Please remove the following from my credit report : Account : XXXX XXXX XXXX. Inquiries : XXXX XXXX XXXX EXPERIAN, XXXX XX/XX/XXXX EXPERIAN, XXXX XXXX XXXX XX/XX/XXXX EXPERIAN, XXXX XXXX XXXXEXPERIAN, XXXX XXXX XXXX  EXPERIAN , XXXX XXXX XXXX XX/XX/XXXX EXPERIAN

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 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I XXXX XXXX have not applied for any lines of credits or any loans. I'm also a XXXX veteran and don't share my XXXX or any personal information with another entity. I believe someone misused my information without my authorization and I have placed a fraud alert on my account. I have sent CFPB complaints about the unauthorized and unverified information and hard Inquiries. I called Transunion about the hard inquiries that's on my report and I stated I didn't authorize them, and I called the companies to have them removed. A representative stated that I needed to send in an FTC complaint, and I told her I did that she then pulled up the date I called previous and stated they didn't receive the complaint, but she sees where I called back within the last XXXX days about the same issue. XX/XX/XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX dates i sent complaints on this same matter. 
The FCRA ( federal law ) says that as a consumer, you are legally allowed to challenge the validity and accuracy of these hard inquiries. And when you challenge these inquiries, it's called opening a dispute. The company pulling your credit must provide documented proof, for example a document with your signature on it, that you authorized and provided consent for the hard inquiry. If they fail to provide this documentation, then TransUnion, XXXX, and XXXX must remove these inquiries from your credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-20 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TRUIST FINANCIAL CORPORATION
State: IL

Complaint narrative:
The statement date reads XX/XX/year>, Due Date reads XX/XX/year>. There is NO postmark on the envelope. The envelope was received on XX/XX/year>. There is no way that the company will receive the payment on the due date. Every correspondence form the company has NO postmark. When I called the person was very clear that they are required to mail and expect payment within 15 days and they are right on the money with the dates. However, that does give enough time for someone to mail in a payment. Yes, there are options to pay online or arrange for XXXX. That doesn't mean everyone has that option. Correspondence from the company is never dated even if they run their envelope through a machine.

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 2024-02-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Global Lending Services LLC
State: NJ

Complaint narrative:
the last couple of months they took numerous payments from my account. It is getting too the point where they keep taking payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 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: EdFinancial Services
State: TX

Complaint narrative:
I made a payment to completely pay back my student loan over a months ago on XX/XX/year>, however when I log into the edfinancial portal it still posts the full balance ( plus interest since then ) and my payment is nowhere to be seen. This is although I have a confirmation email and screenshot from ed financial confirming my payments. It is also unchanged on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Can you update my address and name on my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX & Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: PA

Complaint narrative:
The amount is XXXX. XX/XX/2024 Looking for me to this amount from another collection that CFPB had remove from credit file. This account was purchased from another collection company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MS

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. 

Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attention to this issue. Attached you will also find my ID as proof of my identity and my Proof of Address.

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 2024-02-20 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: AL

Complaint narrative:
On XX/XX/XXXX of XXXX we went to court over the matter of this debt. After going through all other cases the Judge asked us to come up since he didnt have a file for us that day. he pulled our case and let us know the case had been dismissed the week prior. In XXXX my fianc received a phone call from IQ DATA INC. stating there is an amount owed from XXXX XXXX XXXX XXXX XXXX and it needs to be paid at the point we let them know we went to court over this matter and the case was dismissed. They told us there were cleaning fees that needed to be paid. I let them know then that once again we went to court and it was dismissed. She then advised to send in proof of Court documents. i went and got certified copies from the city clerk and mailed them out to IQ DATA INC., and all three credit bureaus. The bureaus corresponded back with us to let us know they couldnt remove it until IQ DATA INC. did. After communicating with IQ DATA INC. a man there let us know that is wasn't getting taken off until they had received a payment i then reiterated that we did not owe this and it was settled in court. He then got very upset and rude so i ended the phone call. Fast forward to XXXX of XXXX i go to purchase a new vehicle and when my credit is run we find out that it has now been added as a collection to my credit as well. At this point im not sure what there is to do to get it off of my fianc and myself credit but, now we are in XXXX of XXXX and trying to by a house and because it still hasnt been taken off of either of our credit reports it is slowing down the process as you could imagine. The mortgage company advised that making a complaint with you guys might be our best option on getting this resolved. i have attached the dismissal as well as proof of funds from the State of Alabama that paid the rest of our lease.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

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.

has violated my rights. Or a list of inquiries : 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 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
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.

has violated my rights. Or a list of inquiries : 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 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am speechless. Errors on my credit report are damaging my credit reputation. XXXX is in violation of the FCRA by reporting these inaccurate records.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: IL

Complaint narrative:
XX/XX/XXXX, I opened mail that looked to be a debt collector. It was from XXXX, saying I owed {$800.00} as of XX/XX/year>. I have no XXXX account open! I called the debt company which is Southwest credit Systems. They read me back all my information including my social security number and the address XXXX XXXX XXXX XXXX, il XXXX. I have never lived in XXXXXXXX XXXX! I did some research on the internet for public information. I only found a possible owner of the home, XXXX XXXX XXXX XXXX that works at XXXX XXXX  XXXX. I found other names linked to the address and strangely they are all workers of XXXXXXXX XXXX XXXXXXXX. I dont know how these people stole my information and how am I just finding out. I need answers and if I need a lawyer I can do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I HAVE REACHED OUT TO ALL COMPANIES ASKED FOR A LETTER OF DELETE BECAUSE OF FRAUD AND DO TO THE FCRA LAWS THAT IT BE REMOVED AND HAVENT IM VERY CONCERN AND NEED THESE ITEMS REMOVED DO TO FCRA STATES THAT THE ONLY PERMISSIBLE PURPOSE FOR A PERSONS CREDIT REPORT IS ( XXXX ) XXXX XXXX OFFER OF CREDIT ( XXXX ) INSURANCE, ( XXXX ) AN APPLICATION FOR EMPLOYMENT, OR ( XXXX ) A COURT ORDER. THE FOLLOWING INQUIRIES ARE NOT RELATED TO ONE OF THE ALLOWABLE PURPOSES AS I HAVE REITERATED FROM THE FCRA. I ASK THAT THESE INQUIRIES BE REMOVED ASAP. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IM ASKING THAT THESE INQUIRIES BE REMOVED ASAP DO TO FRAUD

Company response to consumer: Closed with explanation