vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: OR

Complaint narrative:
On XX/XX/2024, I submitted a dispute with the three major credit agencies, clearly stating that I have never had any contract with Jefferson Capital Systems for any debt. I am requesting that you provide proof from the original creditor confirming that Jefferson Capital Systems owns this debt and has the legal authority to collect it. If you can not provide this proof, the account must be deleted. 

To date, I have not received any verification of the debt. I have never changed my cellphone number since I was XXXX, and it has always been with XXXX under my fathers phone plan, for which I can provide payment records. I have never had another phone, and it is erroneous that this debt has been allowed to persist for so long. Despite my attempts to settle with you out of goodwill, even though I owe nothing as this debt is not mine, your refusal to resolve this matter leaves me no choice but to prepare for legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 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: CA

Complaint narrative:
I was advised by a XXXX and Equifax rep to fill out this report because of unauthorized inquiries in my report, please remove all these fraudulent unauthorized inquiries on my report.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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove all the fraudulent unauthorized inquiries on my credit report. Thank you for your help, this is hurting my credit and reporting false information to future creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 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: CT

Complaint narrative:
Please remove and delete all inaccurate late payments off my credit file from XXXX, Equifax, and XXXX immediately. 

XXXX XXXX XX/XX/XXXX Late payment XX/XX/XXXX Late payment XX/XX/XXXX Late payment XX/XX/XXXX Late payment XX/XX/XXXX Late payment XX/XX/XXXX Late payment XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Late payment XX/XX/XXXX Late payment XX/XX/XXXX Late payment XX/XX/XXXX Late payment XX/XX/XXXX Late payment XX/XX/XXXX Late payment XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 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: CT

Complaint narrative:
Please remove and delete all inaccurate late payments off my credit file from Experian, XXXX, and XXXX immediately. 

XXXX XXXX XX/XX/XXXX Late payment XX/XX/XXXX Late payment XX/XX/XXXX Late payment XX/XX/XXXX Late payment XX/XX/XXXX Late payment XX/XX/XXXX Late payment XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Late payment XX/XX/XXXX Late payment XX/XX/XXXX Late payment XX/XX/XXXX Late payment XX/XX/XXXX Late payment XX/XX/XXXX Late payment XX/XX/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 2024-08-11 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have one hard inquiry some how and idk how it got there

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 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: FL

Complaint narrative:
15 U.S. Code $ 1681c-2 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. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM 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 explanation
Consumer complaint received 2024-08-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION
State: VA

Complaint narrative:
Paid XXXX down on a XXXX vehicle on XX/XX/year> and was ended up being charged almost XXXX extra to finance my vehicle through credit acceptance

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 2024-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Ok I just found out I'm part of the XXXX XXXX that happened and just was settled. I've disputed several items over the last couple years and seen a couple strange items that I addressed and some were removed. My issue is now my score is lower than it should be because of so many hard and soft inquiries that wasn't me. And Negative accounts that aren't me. I've put in disputes with all 3 agencies but it is alot. I don't have any debt except for my car loan that it's. I just need to have items removed from my credit reports that I'm not responsible doing. It's affecting my interest rates and me even opening a credit card account. I never got anything from XXXX in the mail, by email or by phone alerting me about the breach years ago Thank you 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 explanation
Consumer complaint received 2024-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Ok I just found out I'm part of the XXXX XXXX that happened and just was settled. I've disputed several items over the last couple years and seen a couple strange items that I addressed and some were removed. My issue is now my score is lower than it should be because of so many hard and soft inquiries that wasn't me. And Negative accounts that aren't me. I've put in disputes with all 3 agencies but it is alot. I don't have any debt except for my car loan that it's. I just need to have items removed from my credit reports that I'm not responsible doing. It's affecting my interest rates and me even opening a credit card account. I never got anything from XXXX in the mail, by email or by phone alerting me about the breach years ago Thank you 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 explanation
Consumer complaint received 2024-08-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: U.S. BANCORP
State: MN

Complaint narrative:
I have continually asked for a monthly mortgage disclosure prior to the the payment being due. You know like a statement. I have received one so far. Additionally I have no idea where the PMI is going. Seeing is the PMI has gone up every year yet insurance has stayed about the same and my taxes have gone down, id like to keep a closer eye on escrow. I absolutely need a monthly billing statement. As I have screenshots of multiple different loan balances, months and dates the loan originated, as well as escrow payments made. Its rather confusing. I recently looked into the credit beaures and they also have inaccurate information being provided. As of today I had a friend take a look and there are actually 3 mortgages out on my home. I am aware of 2 seeing that the down payment assistance is concsidered a secondary mortgage. I am not sure if this is a lender issue or a title issue. Either ways having fair treatment and accurate information would be great. I mean it wasnt so long ago someone elses information and loan were in my portle. Can you please assist me in getting US bank to deliver a paper document to my home monthly so I have a clear understanding of what I am paying for and what Im not.

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 2024-08-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: AZ

Complaint narrative:
I disputed this on my credit report and this has caused my score to drop causing my insurance rates to increase I asked for them to provide me a copy of the contract that has my signature on it and they failed to do so and they said that it would remain i submitted another dispute as well because it is impossible that I opened an account with XXXX at the time they say that I had an account with them I have had XXXX XXXX XXXX since XX/XX/year> and I have been using XXXX XXXX XXXX then and I have internet with XXXX and my internet service and phone service are all current so I dont understand how they are saying that I have service with XXXX and that I owe them XXXX dollars I feel they have made a mistake and are unwilling to correct it but XXXXm on a fixed income and this has caused my car insurance to increase to the point that I had to let it go and I have to get rides with my friends and neighbors to get groceries and I have been very independent all of my life and now I dont feel like a human being anymore because I have to rely on other people to drive me around and I have a perfectly good car in my driveway and I cant even drive it because of this and I feel that if they dont remove it I will have no choice but to contact an attorney and sue for damages and suffering all I want is to get my credit back on track and I was almost there my report would have been clear in XXXX and I would be able to afford to get car insurance again but now they are putting stuff on my credit that is not mine and wont correct their mistake

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 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:
On XX/XX/year>, I discovered I was a victim of identity theft after noticing unauthorized accounts and transactions on my credit report. I promptly filed a police report and an FTC Identity Theft Report. I sent certified mail to XXXX, XXXX, and TransUnion, including my ID, police report, FTC report, proof of address, and a dispute letter outlining the fraudulent activity. Despite these actions, I havent received any response from the credit bureaus, and the inaccurate information remains on my credit file. This situation has caused me significant distress as it affects my financial well-being, and I urgently need the fraudulent entries removed and my credit report corrected.

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 2024-08-11 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:
On XX/XX/year>, I discovered I was a victim of identity theft after noticing unauthorized accounts and transactions on my credit report. I promptly filed a police report and an FTC Identity Theft Report. I sent certified mail to Equifax, XXXX, and XXXX, including my ID, police report, FTC report, proof of address, and a dispute letter outlining the fraudulent activity. Despite these actions, I havent received any response from the credit bureaus, and the inaccurate information remains on my credit file. This situation has caused me significant distress as it affects my financial well-being, and I urgently need the fraudulent entries removed and my credit report corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-11 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 recently reviewed a copy of my credit report and I noticed that I had fraudently activity on my report, Please remove these accounts from my report, they are hurting my ability toobtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-11 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: LEXISNEXIS
State: SC

Complaint narrative:
Lexisnexis is Bankruptcy public to my XXXX, XXXX and XXXX. And I have never done with them, nor did I gave them my written permission to report anything on my consumer report. According to 15 U.S. Code 1681b a ( 2 ) - Permissible purposes of consumer reports. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. For anything to be on my consumer report, I as the consumer must given written instruction to Lexisnexis. AND I DID NOT give them my written instruction. And I talk with the Bankruptcy court, and they don't report to any credit reporting agencies. So there is reason for bankruptcy to be showing on any of consumer reports from LexisNexis.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: MoneyLion Inc.
State: OR

Complaint narrative:
on XX/XX/year> i requested debt validation, they have yet to proven i own this debt and erroneously reporting this as a valid debt on my credit report.

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 2024-08-11 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: CA

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked. I have attached a copy of my Police Report/FTC Identity Theft Report ( FTC REPORT NUMBER : XXXX ) to support my claim. Pursuant to 15 U.S.C. 1681c-2, when a consumer files an identity theft report, credit reporting agencies are required to block any information identified by the consumer as a result of the identity theft within four business days. The following information on my credit report is the result of identity theft and must be blocked : Hard Inquiries XXXX XXXX XX/XX/year> As required by Title 15, United States Code, Section 1681c-2, block this fraudulent information from my credit report immediately. This information must be blocked. During the block, you may not report that it no longer contains fraudulent information. I have called the bureau several times reporting this fraudulent inquiry on my report and Equifax has not wanted to give me a solution to this problem where I am being affected. I require that you send me all the documentation to prove that this information is true. I have requested information more than 60 days ago and have not received any response. Please help me immediately delete these inquiries. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/year>2024 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX DC XXXX Subject : Dispute of Inaccurate Accounts and Hard Inquiries Dear Sir/Madam, I am writing to file a formal complaint regarding inaccurate and outdated information on my credit report, in accordance with the Fair Credit Reporting Act ( FCRA ). The following accounts have violated my federally protected consumer rights under 15 U.S.C. 1681, and I am requesting their removal : Accounts in Dispute : XXXX Account Number : XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  : 15 U.S.C. 1681 Section 602 A : I have the right to privacy. 
15 U.S.C. 1681 Section 604 A ( 2 ) : A consumer reporting agency can not furnish an account without my written instructions. 
15 U.S.C. 1681c ( a ) ( 5 ) : No consumer reporting agency may include information that is over 7 years old. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) : Information furnished to consumer reporting agencies must be accurate. 
Additional Concerns : The following hard inquiries on my credit report are also disputed under the FCRA : XXXX XXXX XXXX XXXX  : Unknown. 
XXXX XXXX XXXXXXXX OF XXXX Hard inquiry # 1. 
XXXX XXXX XXXX : Hard inquiry # 2. 
According to 15 U.S.C. 1681i and 15 U.S.C. 1681b, these inquiries are past the two-year limit and are not accurate or authorized by me. 

I request that you investigate these accounts and hard inquiries. They should be removed from my credit report as they are either outdated or inaccurately reported. Please provide written confirmation once these items have been removed or inform me if additional information is needed. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Recently, I have submitted ( XXXX ) reports on this inaccurate and incomplete item on my consumer report. 15 U.S.C. 6802 a financial institution may not, directly or through any affiliated, disclose to a non affiliated third party any non public personal information, unless such financial institution provides or has provided to the consumer a notice that complies. Not only has this disclosure agreement give my legal information but my personal information as well. By law you obligated to investigate these inaccuracies and incomplete accounts. 15 U.S.C. 1681c ( a ) ( 5 ) section states no consumer report containing any of the following items of information inaccurate or incomplete. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer if the person has reasonable cause to believe that the is incomplete or inaccurate. Please remove this item immediately! 


XXXX XXXX ( account number ) 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 2024-08-11 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: CA

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked. I have attached a copy of my Police Report/FTC Identity Theft Report ( FTC REPORT NUMBER : XXXX ) to support my claim. Pursuant to 15 U.S.C. 1681c-2, when a consumer files an identity theft report, credit reporting agencies are required to block any information identified by the consumer as a result of the identity theft within four business days. The following information on my credit report is the result of identity theft and must be blocked : Hard Inquiries XXXX XXXX XX/XX/2024 As required by Title 15, United States Code, Section 1681c-2, block this fraudulent information from my credit report immediately. This information must be blocked. During the block, you may not report that it no longer contains fraudulent information. I have called the bureau several times reporting this fraudulent inquiry on my report and Equifax has not wanted to give me a solution to this problem where I am being affected. I require that you send me all the documentation to prove that this information is true. I have requested information more than 60 days ago and have not received any response. Please help me immediately delete these inquiries. Thank you.

Company response to consumer: Closed with explanation