vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-14 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: LA

Complaint narrative:
I am writing to challenge the reporting and compliance of my credit report. 

I REQUEST THAT ALL FRAUDULENT ACCOUNT LISTED IN MY FTC REPORT BE REMOVED FROM MY CREDIT REPORT. 

These accounts should not be furthed on my consumer report as they are in VIOLATION Under, 15 US Code 1681b Permissible purposes of consumer reports ( A ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer repert under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN instructions of the consumer to whom it relates.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 6802 - requires by law to provided the consumer with ( 3 ) disclosures 15 USC 6802 ( b ). ( b ) OPT OUT ( 1 ) IN GENERAL - financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

I am herby requesting to be mailed the WRITTEN proof of all above disclosures required by Federal Law. 
I have never given any consumer reporting agent WRITTEN CONSENT to report anything on my consumer report, which violates my rights a Federal consumer. 

I request all ( 3 ) disclosures from ALL LISTED companies! If the disclosures can not be provided, then I request the IMMEDIATE DELETION OF THESE ACCOUNTS FROM MY CONSUMER REPORT NO CONSENT IS IDENTITY THEFT. I REQUEST THAT THESE ACCOUNTS BE DELETED FROM MY CONSUMER REPORT IMMEDIATELY! 

15 U.S. Code 1681c2 ( a ) Block 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, not later than 4 business days after the date of receipt by such agency of. 

I am a victim of identity theft!! Please delete all ACCOUNTS mentioned in my FTC report off 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 non-monetary relief
Consumer complaint received 2024-05-14 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:
FCRA violations : accounts not mine XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2400.00} Status Account charged off. {$2400.00} written off. {$2400.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$850.00} Status Closed. 

XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$670.00} Status Collection account. 

FCRA violations : inquires are not mine XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : not my names 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 2024-05-14 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 2024-05-14 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: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CONTRACT CALLERS INC
State: CA

Complaint narrative:
DEBT COLLECTION COMPANY : CONTRACT CALLERS INC ACCOUNT # : XXXX I SENT YOU A LETTER ON XX/XX/year> YOU HAVE NOT SHOWN ME PROPER PROCEDURES THAT YOU DID A REAL INVESTIGATION YOU JUST SAID THIS ITEM WAS VERIFIED HOW IS IT VERIFIED WHEN THE COLLECTION COMPANY HAS NOT VALIDATED OR VERIFIED THIS INFORMATION WITH ME ALSO I WANT THE ITEM DELETED IMMEDIATELY YOU ARE REPORTING MISLEADING DATA AND IVE CLEARLY SHOWN PROOF THAT THIS IS ALL MISLEADING IAM REQUESTING IMMEDIATE DELETION OF ALL PRIOR REPORTING MADE TO ANY CONSUMER AGENCIES XXXX, XXXX, XXXX, XXXX.YOU MUST CEASE COLLECTION EFFORTS UNTIL THIS ALLEGED DEBT ID VALIDATED. YOU MUST SHOW PROOF THAT YOU LEGALLY OWN THIS DEBT AND THAT IT IS ACCURATE AND COMPLETE. SINCE YOU HAVE NOT PROVIDED THE PROPER PROCEDURES OF A REAL INVESTIGATION THIS ACCOUNT MUST BE REMOVED IMMEDIATELY MY NAME XXXX XXXX XXXX XXXX MY DOB XXXX MY ADDRESS : XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 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: FL

Complaint narrative:
I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-14 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:
FCRA violations : accounts not mine XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2400.00} Status Account charged off. {$2400.00} written off. {$2400.00} past due as of XX/XX/XXXX. 
XXXX  XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$850.00} Status Closed. 

XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$670.00} Status Collection account. 

FCRA violations : inquires are not mine XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : not my names 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 2024-05-14 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:
FCRA violations : accounts not mine XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2400.00} Status Account charged off. {$2400.00} written off. {$2400.00} past due as of XX/XX/XXXX. 
XXXX  XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$850.00} Status Closed. 

XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$670.00} Status Collection account. 

FCRA violations : inquires are not mine XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : not my names XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-14 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 want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the 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 2024-05-14 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 want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
Addresses are wrong. I never lived at the following addresses XXXX XXXX XXXX XXXX, XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX NJ 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 2024-05-14 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be 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 2024-05-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: U.S. BANCORP
State: OH

Complaint narrative:
Interest rate on mortgage was more than double prime rate for at least 7 years. Interest rate on mortgage was 7.5 % when the prime rate on mortgages was XXXX %. After 30 years I had to refinance at 2.8 % the rest of the principal. I ask US Bank to lower the interest rate for years and was denied.

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 2024-05-14 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: NJ

Complaint narrative:
I am a victim of identity theft and I submitted a dispute to the CRAs to remove certain items from my credit reports. please view attached FTC 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 2024-05-14 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: NJ

Complaint narrative:
I am a victim of identity theft and I submitted a dispute to the CRAs to remove certain items from my credit reports. please view attached FTC report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-14 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: FL

Complaint narrative:
According to the IRS an unpaid charge off is income and according to the FCRA income can not be reported on a credit report.I recieved a 1099-C ( cancellation of Debt ) for the following charged off accounts listed below.After checking my most current report the updated information stated this account was still being reported.This account can not be reported as charge off on my credit report.Please cease reporting and delete this account. 
XXXX XXXXAcct # XXXXXXXX XXXX XXXX XXXX-Acct XXXX XXXX XXXX XXXXAcct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NC

Complaint narrative:
A debt that was created by ex husband by XXXX and who which has sold the debt to Jefferson Captal Debt Collector back in XXXX in the amount of {$890.00} is showing up on my credit report. My last name was formerly XXXX but have been divorced now for XXXX years. My ex husband XXXX XXXX had this account with XXXX and should be responsible for this. I reached out via online to dispute and this is still on my credit which is not fair. please help

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 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: MD

Complaint narrative:
" I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. '' I do not have a binding agreement and after submitting a request, they have failed to furnish physical proof of alleged accounts. 

Alleged List debts XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Asking to remove.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I have been a long time user with zelle. Zelle restricted my account with no type of explanation as to why. Stated they dont have that information, they just know its closed and I can review their legal disclaimer on their site. This is ridiculous, I get it if I violated ANY terms but I have not & to restrict me for no reason or without any explanation is absurd. I had this issue in XXXX & now again the same issue is occurring. There is no reason for my account being blocked, I have not violated any terms nor use my zelle for any business transactions

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
LVNV FUNDING did not provide me with proper notification and has decided to report this information on my consumer reports. If they believe otherwise then I demand that they provide proof by providing a shipping number and the green return card with my signature showing that I was properly notified. Lastly, I attached a debt validation/verification letter and I demand that they provide all requested information in order to verify that this debt is mine. If they can not provide all requested documents then this agency is in violation of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I recently reviewed a copy of my credit report and I noticed that I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2024-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
On XX/XX/2024, I received a letter from Bank of America confirming that my dispute regarding a charge of {$58.00} from XXXX, originally transacted on XX/XX/2024, had been resolved in my favor, and my account was credited for this amount. However, on the same day, two contradictory transactions appeared on my account statement : A credit of {$58.00} for the dispute resolution. 
An immediate reversal of the {$58.00} credit. 
These transactions are evident in my account activity from XX/XX/2024. The reversal of the credit contradicts the resolution stated in the letter from Bank of America. 

I attempted to resolve this matter directly with Bank of America by calling the BoA Credit Card Billing Disputes Department at XXXX from my cell phone ( XXXX ) at XXXXXXXX XXXX ET on XX/XX/2024, for an 11-minute outbound call. The agent was unable to assist or provide further insight into the issue. 

Not abiding by the outcomes of a dispute resolution and erroneous billing errors are violations of CFPB regulations, specifically those outlined under the Fair Credit Billing Act ( FCBA ) which requires creditors to resolve billing errors promptly and accurately.

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 monetary relief