vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-22 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: KS

Complaint narrative:
In XX/XX/XXXX I entered into an agreement with XXXX XXXX auto on a vehicle lease. I completed the loan agreement in XX/XX/XXXX. I always made on time payments and they were in fact on auto-pay. I recently checked my credit report back in XXXX and i noticed that Experian had completely jacked up my Auto Payments with XXXX XXXX. There were messed up and inaccurate which really caused my credit score to drop. I had no clue that they were reporting me late, and why i was getting denied credit applications a few years back. I immediately sent them some mail telling them that the late payments were a mistake but they ignored me. I don't understand how a company can repot inaccurate information, and hurt my ability to obtain credit without any repercussions. This is clearly a violation and a billing error/mistake on Experian 's part, but they refuse to remove the late payments, or even acknowledge my request for accuracy. And even worse they were reporting these inaccuracies over the Covid-19 Pandemic.

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 2024-02-22 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: TX

Complaint narrative:
I have recently reviewed a copy of my credit report. currently very upset someone is applying under my information I have been a victim of identity theft. i found numerous inquiries on my report that were not done by me. this has been affecting and hurting me as I am now in the process of purchasing a home for my new family with a baby on the way Please remove unauthorized inquiries from my credit report As soon as possible. 

Please see attached, Inquiries - TRANSUNION - INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 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: PR

Complaint narrative:
I try to delete fraudulently information in my credit report and they don respond. Account name : XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
In or about XXXX, I contracted with XXXX XXXX XXXX for home security alarm monitoring services. On or about XX/XX/XXXX, I received an email stating that XXXX XXXX XXXX would soon be XXXX XXXX XXXX ( XXXX ). 

In or about XX/XX/XXXX, XXXX emailed me their cancellation procedures. In or about XX/XX/XXXX, I completed XXXX cancelation process. In or about, XX/XX/XXXX, XXXX sent me a letter claiming that I could not cancel because my contract did not end until XX/XX/XXXX. Shortly thereafter, I called XXXX and demand that XXXX  cancel the account in XX/XX/XXXX. I was told the account would be closed then. 

In or about XX/XX/XXXX, I noticed that XXXX was still charging my credit card or being paid. My wife, who reconciles the credit card and make the bill pays did not inform me that XXXX was still being paid. I did not discover this until I happened to review the credit card charges. 

In or about XX/XX/XXXX, XXXX sent me an email stating that the monitoring was canceled effective XX/XX/XXXX. 

In or about XX/XX/XXXX, XXXX, XXXX XXXX XXXX ( collections law firm ) mailed a collection letter to me. Via email, I demanded verification of the amount owed. 

In or about XX/XX/XXXX, XXXX, XXXX XXXX XXXX ( collections law firm ) mailed a letter in response to my request for verification of amount owed. From that letter, I discovered that XXXX was charging my XXXX  card through XX/XX/XXXX. I then cancelled the automatic payment. Knowing that I did not have a contract for services after XX/XX/XXXX, XXXX continued to bill me from XX/XX/XXXX to XX/XX/XXXX. 

Most disturbing, XXXX never sent me a delinquent notice or did it contact me to pay for the services. Instead, XXXX racked up charges and reported account as delinquent 120 days the TransUnion.

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 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
This debt collector is hurting my credit report for fraudulent debt that I never originated. I have filed my FTC report and reported this debt to the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CL Holdings LLC
State: CA

Complaint narrative:
I had an old debt on my credit report from XXXX, I believe it was from around XXXX. It looks that this debt was sold to Jefferson Capital Systems XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX Upon purchasing this debt they re-reported it as a brand new collection beginning XX/XX/XXXX when it is the same debt from XXXX. 
This is double reporting. I disputed the debt with XXXX and it is being investigated but my credit score took a big hit. This is not legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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: OH

Complaint narrative:
By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that this account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file.

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 2024-02-22 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: IL

Complaint narrative:
I respectfully ask for an update to my credit report, specifically the removal of the current public record. Attached are the required documents to substantiate this request. I appreciate your assistance.

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 2024-02-22 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:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: W&A Intermediate Co., LLC
State: TN

Complaint narrative:
XXXX Received a call from Wakefield and Associates attempting to collect a debt that had been paid by me to the 1st party. Said that not paying this bill would adversely affect my credit. I asked for the name of the companies that said I owed and they listed a company I had already paid. I called that company and they said I had a XXXX balance owed and they do not do business with Wakefield and Associates.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have recently reviewed a copy of my credit report. currently very upset someone is applying under my information I have been a victim of identity theft. i found numerous inquiries on my report that were not done by me. this has been affecting and hurting me as I am now in the process of purchasing a home for my new family with a baby on the way Please remove unauthorized inquiries from my credit report As soon as possible. 


EXPERIAN - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX PLEASE SEE ATTACHED see attached, please remove.

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 2024-02-22 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: IL

Complaint narrative:
I did not initiate these inquiries and suspect them to be fraudulent. I request a thorough investigation and their prompt removal from my credit report. I have provided supporting documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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: NV

Complaint narrative:
I am victim of identity theft as result of my purse being stolen with my SSN & Bank cards and other personal information. I need to have my credit report updated to remove the fraudulent accounts and old addresses that were used to open fraudulent accounts. I have filed a complaint with the FTC for the identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Zions Debt Holdings
State: NC

Complaint narrative:
They claim I owe but I haven't received anything. Nor have I had a Vivant account in years. They emailed and call constantly from random numbers. I responded to their email and told them to not contact me because I haven't even had a Vivant count in years. 


ZIONS DEBT HOLDINGS Last reported XX/XX/XXXX {$600.00} Open balance XXXX XXXX XXXXXXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( 1 yrs, 2 mos )

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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: IL

Complaint narrative:
I did not initiate these accounts, and I believe they are fraudulent. I request that you investigate and remove them from my credit report. I have provided supporting documents to substantiate my claim.

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 2024-02-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Client Services, Inc.
State: IN

Complaint narrative:
Client Services at no point had permissible purpose to obtain, request, or review my consumers report pursuant to 15 U.S. Code 1681b ( a ) ( 2 ). According to 15 U.S. Code 1692 ( b ) Client Services is a debt collector. Client Services previously obtained this account as a result of material misrepresentation, fraud, lack of permissible purpose & Identity Theft pursuant to 15 USC 1681 a ( q ) ( 3 ), 18 U.S. Code 1028A ( a ) ( 1 ) ( 2 ) and IC XXXX & XXXX XXXX. XXXX XXXX  did not legally obtain my consent to sale, transfer, assign, or disclose any non-public personal information pertaining to this account with Client Services or any other third part as regulated by 15 U.S. Code 6802 of the GLBA. Additionally, XXXX XXXX  failed to provide the consumer with FULL disclosure at the initial signing. Failure to provide FULL disclosure of material information that is known to be relied upon by the consumer is misleading, an unfair method of competition, and unfair & deceptive acts of FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Io, Inc.
State: VA

Complaint narrative:
Received notification of a collection agency Receivables Management Systems out of XXXX XXXX, VA for a missed Patient First co-pay debt I was not aware of for {$25.00} and the collection agency wanted to included a {$40.00} collection fee. I called but they refused to discuss the account unless I used my Social Security number or part of it for verification. Every scam wants to use your Social Security number, every cyber security training and warnings teach not to use your social security number even for verification. The company Receivables Management Systems would not offer or provide any other method even after explaining to them the issue of using a social security number in part or whole. They refused and stated that is the only way they " are able '' to verify and discuss. Asked for alternative method but they refused. 
Disputed the {$40.00} fee by mail but they returned back with verification of the original debt and no information about the fee and their " requirement '' to pay that fee as well. 
Called again on XXXX XX/XX/2024 and again refused to communicate the " account '' with other means of verification other then sensitive PII such as social security number and they offer no other way to communicate or discuss the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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: MI

Complaint narrative:
Kindly remove this to my credit report. This is causing me a lot of stress and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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: CA

Complaint narrative:
Unauthorized inquiries on my TransUnion Credit Report made by the following companies : XXXX XXXX, Inquiry date XX/XX/year> XXXX XXXX, Inquiry date XX/XX/year>, XXXX XXXX, Inquiry date XX/XX/year> 2024

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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: PA

Complaint narrative:
XXXX, TRANSUNION, & XXXX are willfully non-complying with the FCRA, Violating my consumer rights and effecting my credit worthiness by reporting inaccurate information to my consumer credit report. XXXX has reported my account as delinquent and CRA 's have not validated alleged debt. When investigating the CRA only contacted the furnisher of the debt & that is a violation pursuant to 15 USC 1681s. Adverse action may not be taken 15USC 1692e. 16 CFR 433.2. I am the agent to these principal 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 2024-02-22 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:
XXXX, XXXX, & EQUIFAX are willfully non-complying with the FCRA, Violating my consumer rights and effecting my credit worthiness by reporting inaccurate information to my consumer credit report. XXXX has reported my account as delinquent and CRA 's have not validated alleged debt. When investigating the CRA only contacted the furnisher of the debt & that is a violation pursuant to 15 USC 1681s. Adverse action may not be taken 15USC 1692e. 16 CFR 433.2. I am the agent to these principal accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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: MARINER FINANCE, LLC
State: MD

Complaint narrative:
MARINER FINANCE XXXX XXXX  XXXX XXXX XXXX, MD XXXX XX/XX/XXXX Subject : Request for Removal of Collection Account Dear Sir/Madam, NOTICE TO CEASE AND DESIST You are hereby notified to immediately cease reporting on my credit report concerning the collections and the alleged debt associated with the account referenced above. This letter serves as a written request pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ).

I am writing to request the removal of a collection account [ XXXX ] that has reported to the credit bureaus regarding a debt that was discharged in my recent bankruptcy filing. The bankruptcy case number is [ XXXX ] and was finalized on [ XX/XX/XXXX ]. 

As per the United States Bankruptcy Code, any debts that are discharged in a bankruptcy case are legally forgiven and the debtor is relieved from any further obligation to repay them. Therefore, the collection account that [ MARINER FINANCE ] has placed on my credit report should no longer be reported as it is in violation of the Fair Credit Reporting Act. 

I kindly request that you promptly remove the collection account from my credit report to ensure the accuracy of my credit information and to comply with the law. Failure to do so may result in legal action being taken against [ MARINER FINANCE ] for violating my rights as a consumer. 

I appreciate your prompt attention to this matter and look forward to receiving confirmation of the removal of the collection account in writing. 

Thank you for your anticipated cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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: TD BANK US HOLDING COMPANY
State: NV

Complaint narrative:
On XX/XX/2023 I purchased XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX cases for the phones, a XXXX wireless charger XXXX with travel adapter and XXXX XXXX XXXX insurance policies from XXXX totaling {$3400.00}. In the deal they offered a trade-in value of {$800.00} per phone ( {$1600.00} ) that I traded in, but they only gave me {$800.00} for two phones. I tried to get them to refund me {$800.00} but they refused, so I returned the package un-opened with everything in it. ( Never opened when it was delivered by XXXX ) I used XXXX financing ( TD Bank ) {$2200.00} and the balance of {$1200.00} was put on XXXXl credit card ( XXXX XXXX ). XXXX stated that I never returned the two phones, XXXX XXXX XXXX or the XXXX wireless charger. They said only thing in the package was the two phone cases. I filed disputes with XXXX Financing ( TD Bank ) as well as XXXX credit card XXXX Bank. I also tried to file a theft/loss claim with XXXX but because they state I wasn't the shipper ( XXXX paid for return label ) I couldn't file a claim. When XXXX picked up the package from my house it weighed XXXX, but when it was scanned/weighed by XXXX it only weighed XXXX. Those electronics had to have been taken/stolen by someone at XXXX during transit . I tried to get XXXX to file a loss/theft claim with XXXX but they refused to file claim, basically calling me a liar and a thief for not returning the devices. XXXX has to have a way of finding these devices by serial numbers or something to see who has them. I have the tracking # 's and weights when delivered to me and returned to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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:
I've disputed this information twice on Experian 's platform in which they said they have verified the debt. Which I do not believe. So I'm contacting you for further verification. 
XXXX XXXX  XXXX XXXX potentially negative months {$1100.00} Closed Account info Account nameXXXX XXXX XXXX Account numberXXXX Original creditorXXXX XXXX Company sold- Account typeCollection Date openedXX/XX/XXXX StatusCollection account. {$1100.00} past due as of XX/XX/XXXXXX/XX/XXXX. 
Status updatedXX/XX/XXXX Balance {$1100.00} Balance updatedXX/XX/XXXX Original balance {$1100.00} Monthly payment- Past due amount {$1100.00} Terms1 Month ResponsibilityIndividual Comments Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act )

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