vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-15 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: AZ

Complaint narrative:
To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( 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 ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account. 


2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account. 


4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 


5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 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:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2023-11-15 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: MI

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 XXXX Account Name : XXXX Account 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 2023-11-15 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: NC

Complaint narrative:
To whom it may concern, I have contacted the credit reporting agencies and them know the inquires that are listed on my report in the document i have included below are not suppose to be listed on my consumer report. I am highly concerned and frustrated that it is listed. I have not gave anyone permission or consent to report them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 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: NC

Complaint narrative:
To whom it may concern, I have contacted the credit reporting agencies and them know the inquires that are listed on my report in the document i have included below are not suppose to be listed on my consumer report. I am highly concerned and frustrated that it is listed. I have not gave anyone permission or consent to report them.

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 2023-11-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
The companies name is a firm. I bought some shoes that were {$260.00} that were counterfeited shoes that were rubber. They were XXXX XXXX so after I bought them I received them and I seen that they werent real so I tried sending back but they wouldnt provide me with a return label but they did provide me with an address to send them back so I sent them back with my own money {$30.00} and I never received any confirmation anything else about this company or its a scam fraud so the companies is sending me now to collections affirm sells counterfeit products

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
My Inicial Balance Is {$11000.00} the total payment I do is {$10000.00} They say i have a balance due of {$7300.00} I do a payment plan start in XX/XX/XXXX for payment because a loss my job, im pay on time my payment plan and XX/XX/XXXX they repossession the car. now they request i need to pay {$7000.00} for return my XXXX XXXX XXXX XXXX XXXX XXXX Credit Acceptance Account 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 monetary relief
Consumer complaint received 2023-11-15 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: FL

Complaint narrative:
On XXXX XXXX I initiated a repeat money transfer with XXXX for the amount of {$3000.00}, from my XXXX XXXX XXXX to my XXXX XXXX XXXX ( exact same transfer, recurring, same data as prior transfers that have completed on time ). They promise XXXX business day transfer. On XXXX XXXX they initiated transfer. As of XXXX XXXX, it has not been completed and shows processing as the pending action. I contacted XXXX and they will not give me any information to confirm the transaction with my receiving bank. They blatantly refuse to show documentation of the process, such as time, date, bank confirming receipt, etc They also said, on a recorded line, that it can take from XXXX days to resolve and get my funds back. I can not go to my receiving bank without any information that an incoming transaction was initiated without corroborating information that it was sent. I dont know what to do. I cant wait for these funds to sit in limbo for a long time, as it is part of our living budget.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am unable to connect to the TransUnion website to view or Dispute. 
Neither will TransUnion Consumer Files download on XXXX I think due to their willful non compliance Deleting my 2 unauthorized fraudulent identity theft Student loans accounts they are removing my ability to dispute directly

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 2023-11-15 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:
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 2023-11-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: CA

Complaint narrative:
My Social security number was used to open a Credit account with XXXXXXXX XXXX XXXX XXXX  back in XX/XX/XXXX. Account number : XXXX. The amount owed after the late fees came to the total {$480.00}. 

I found about the charges earlier this year XX/XX/XXXX, and tried to dispute it. Spring Oaks Capital LLC, debt collector denied my dispute XX/XX/XXXX and claims that I still owe the amount due. {$480.00}. I have repeatedly showed them tax documentation and called several times to prove my identity, but they continue to deny me. 

Spring Oaks Capital , LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX Email : XXXX I have lived in California since XXXX and have never moved out of state. My home address, has been my billing address since XXXX. I also filed a report with identitytheft.gov and submitted the documented letter to XXXX XXXX on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

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 2023-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: TrueAccord Corp.
State: WI

Complaint narrative:
I received a text and email and phone call from a company calledTrue Accord identified themselves as debt collector. The debt was for a XXXX XXXX under XXXX. I investigated this and filed a dispute and proved I sent the order back to XXXX. Today XX/XX/2023 a person from True accord sent me a very stupid message in response to my proof.. I dont know what this XXXX XXXX means but his way of communicating is ridiculous. I have attached his response where he calls me dog?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: HEARTLAND PAYMENT SYSTEMS INC
State: UT

Complaint narrative:
I contacted ECSI Heartland to pay the remainder of a XXXX Loan from XXXX XXXX XXXX. They refuse to let me pay my bill. They said that I can not pay it off until XX/XX/2024, in the meanwhile I will be accruing interest and late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Debt collection I have no rental debt at all its stopping me from finding housing for me and my children.

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 2023-11-15 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: PA

Complaint narrative:
When I took a look at my consumer report I was shocked to find that income was reported on it. Any charge off/canceled debt is considered as a certificate of indebtness in the eyes of the IRS and it is income. The laws specifically states that income can not be reported on a consumer report. 

In accordance with the fair reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally pursuant to 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 a reasonable cause to believe that information is inaccurate. As it is proven that the IRS consider these things as income making the reporting of it inaccurate, these agencies are still willfully choosing to violate federal law. On top of that, they " verified '' these accounts. I am demanding to see what methods they used to verify these accounts and I request that you mail me a copy of the complete consumer file that you maintain concerning me after you act on this dispute. Note, the term file ... means all of the information on [ me ] and retained by [ you ] regardless of how the information is stored. 15 U.S.C. 1681a ( g ). Therefore, it is unlawful to send me a partial disclosure and not the entire file. If you verify or deem the item of information that I disputed above as accurate and complete, then I request a description of the procedure used to determine the accuracy or completeness of the information... including the business name and address of any furnisher contacted in connection with such information and the telephone number of such furnisher, pursuant to the provisions of 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), in no later than fifteen ( 15 ) days after making such determination.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15 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: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXXXXXX XXXX XXXX XXXX XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit 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 2023-11-15 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: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15 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: SC

Complaint narrative:
TransUnion is reporting a bankruptcy on my credit report, and they have put in the data furnisher as the U.S. Bankruptcy Court, which is false, I have attached a letter from the US Bankruptcy Court XXXX XXXX XXXX XXXX verifying and stating that they do not report records of the court to any credit bureau, Pursuant to 11 U.S.C. 107 ( a ). TransUnion is falsely stating this on my credit report and have yet to remove it from my credit report. 

XXXX is reporting a bankruptcy on my credit report, and they have put in the data furnisher as the US BKPT SC XXXX which is false, I have attached a letter from the US Bankruptcy Court District of XXXX XXXX verifying and stating that they do not report records of the court to any credit bureau, Pursuant to 11 U.S.C. 107 ( a ). XXXX is falsely stating this on my credit report and have yet to remove it from my credit report. 

XXXX is reporting a bankruptcy on my credit report, and they have put in the data furnisher court as Federal which is false, I have attached a letter from the US Bankruptcy Court District of XXXX  XXXX  verifying and stating that they do not report records of the court to any credit bureau, Pursuant to 11 U.S.C. 107 ( a ). XXXX is falsely stating this on my credit report and have yet to remove it 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 non-monetary relief
Consumer complaint received 2023-11-15 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:
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 NumberXXXX Account Name : XXXX XXXX XXXX XXXXccount Number:XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX  Account Number:XXXX  Account Name : 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 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 2023-11-15 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 recently pulled my credit reports and saw fraudulent accounts that I do not recognize.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15 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: IL

Complaint narrative:
I recently pulled my credit reports and saw fraudulent accounts that I do not recognize.

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 2023-11-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
My Social security number was used to open a Credit account with Genesis Credit Card services back in XX/XX/XXXX. Account number : XXXX. The amount owed after the late fees came to the total {$480.00}. 

I found about the charges earlier this year XX/XX/XXXX, and tried to dispute it. XXXX XXXX XXXX XXXX, debt collector denied my dispute XX/XX/XXXX and claims that I still owe the amount due. {$480.00}. I have repeatedly showed them tax documentation and called several times to prove my identity, but they continue to deny me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Email : XXXX I have lived in California since XXXX and have never moved out of state. My home address, has been my billing address since XXXX. I also filed a report with identitytheft.gov and submitted the documented letter to XXXX XXXX on XX/XX/XXXX.

Company response to consumer: Closed with explanation