vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-18 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: TX

Complaint narrative:
I have identified unauthorized inquiries on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 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:
After examining my credit report, I identified inaccurate accounts that were not due to any error on my part.

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 2024-06-18 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: IN

Complaint narrative:
have contacted all companies : Equifax, XXXX, and XXXX, and expressed my request for them to remove the inquiries. However, I was informed that they would do so, but they never have. They furnished my consumer reports to different companies without a permissible purpose, as per 15 USC 1681b ( 2 ), or knowingly without a legitimate business reason pursuant to 15 U.S.C 1681b ( a ) ( 3 ) ( F ) ( i ). The Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681b ( a ) ( 3 ) ( F ) ( i ), for unlawfully furnishing my consumer report on different dates without my authorization or a permissible purpose under the 15 USC 1681b ( 2 ) Fair Credit Reporting Act ( FCRA ) and its guidelines for permissible purpose. A person shall not use or obtain a consumer report for any purpose unless : The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section. The purpose is certified in accordance with section XXXX ( f ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ). I have been added in several data breaches : Data breaches : Review the data potentially exposed in 10 breaches : XXXX XXXX XXXX XXXX XXXX XXXX Reported XX/XX/XXXX XXXX Pulse Reported XX/XX/XXXX XXXX Reported XX/XX/XXXX Not Disclosed Reported XX/XX/XXXX XXXX Email List Reported XX/XX/XXXX Not Disclosed Reported XX/XX/XXXX XXXX Reported XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 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: OH

Complaint narrative:
As per FCRA 605B, we should remove any incorrect accounts from my credit report. Can you please check the documents? There are inaccuracies in the reported accounts, including amounts and dates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-18 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: OH

Complaint narrative:
I believe FCRA 605B requires us to delete any incorrect accounts from my credit report. Can you check the documents for accuracy? Some accounts are incorrectly listed with wrong amounts and dates.

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 2024-06-18 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: OH

Complaint narrative:
FCRA 605B obligates us to remove any erroneous accounts from my credit report. Could you please review the documents? There are discrepancies in the reported accounts, such as amounts and dates.

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 2024-06-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: FIRST PORTFOLIO SERVICING INC
State: MI

Complaint narrative:
I received a email to settle my account. I called to accept the settlement and credit card company told me I needed to call back closer to when I could make the payment. I called back on XX/XX/XXXX to accept the settlement amount and schedule XXXX payments that would close and settle the account. I sent up XXXX payments for {$55.00} first to be deducted on XX/XX/XXXX and the next on XX/XX/XXXX. I asked the creditor to provide a letter agreeing to the settlement that included the terms of the settlement. I was told they wouldnt provide that until the XXXX payments were paid. I thought this was very odd because I wouldnt have any documentation of me agreeing to the amount I accepted. On XX/XX/XXXX the XXXX payment was deducted. I called back requesting documentation again because I kept receiving emails with different settlement amounts. Still they wouldnt provide the letter. I even asked to speak to a supervisor and they said they do not provide settlement letters until its paid in full. So I called back the week before the XX/XX/XXXX payment was due to confirm the payment was being deducted and asked still asked for a letter and they now said the settlement is pending until the last payment is received. Its not XX/XX/XXXX and they didnt deduct the last payment. I called today and the customer agent stated there was no settlement agreement for my account so I stated that was impossible because the initial payment was made already so I asked to speak to a supervisor and she stated its pending and that there was no payment set up to come out on XX/XX/XXXX. I told her this is why I requested the letter documenting me accepting the settlement because they keep sending me emails with different amounts and no that the final payment hasnt been deducted this is hurting my credit. Since they record every phone call I asked that she go back and check XX/XX/XXXX when I called and set the XXXX payments up to be automatically deducted from my debit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 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: SC

Complaint narrative:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove any items which were opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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

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 2024-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to dispute the late payments listed on my credit report. Upon careful review of the information, there are inaccuracies that need to be addressed. Upon reviewing my credit report, I noticed discrepancies related to the reported late payments. I have always been committed to meeting my financial obligations promptly, and I believe there might be an error or misunderstanding in the reporting. Additionally, XXXX and XXXX credit bureaus have already updated their records for these accounts. 

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 2024-06-18 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: MO

Complaint narrative:
Opened a complaint on XX/XX/year>. They said it was being investigated on XX/XX/year>. Then on XX/XX/year> they said the result was sent to me directly on XX/XX/year>. How was an investigation report sent to me in XXXX if the investigation result was sent to me in XXXX? I never received this investigation result and it took 60 days for them to respond to tell me it was supposedly sent 11 days after I opened the initial investigation. Doesnt make sense. If this is a valid collections account, then send me the original signed contract and the investigation report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Owed : {$150000.00} XXXX XXXX Balance Owed : {$740.00}

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 2024-06-18 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: OH

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Owed : {$150000.00} XXXX XXXX Balance Owed : {$740.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC
State: NC

Complaint narrative:
To Whom It May Concern : I am in the process of trying to purchase my first home and requested that my mortgage lender pull my credit reports. She advised me that I had a medical collection from Ability Recovery in the amount of {$1900.00} that needed to be resolved to move forward with the loan, as it had greatly impacted my credit scores. 

First, I am unaware as to what the collection would be for as I do not recall visiting an emergency room or clinic in the past several years. 

Second, I did some research and found that in XX/XX/XXXX, the XXXX major bureaus made policy changes on how and when a medical collection could be added to credit reports. The first phase was that medical debts would no longer be used to calculate certain scores. 

The second phase happened in XX/XX/XXXX, in which they stipulated that a medical collection over {$500.00} CAN NOT be added to a report without first alerting the consumer that 1 ) There is a debt owed, and 2 ) Providing them a full year to pay it. 

I have attached a screenshot of the collection on my reports and the date " Date Opened '' is XX/XX/XXXX. To my knowledge, the " Date Opened '' date is when the company receives the debt in their office and starts collection procedures. 

If this is correct, then Ability Recovery has not only erroneously placed a collection on my reports that is not mine, but they did not attempt to contact me about it, nor provide the 365 days required by the bureaus to pay it. 

I am therefore demanding that the collection is IMMEDIATELY removed from my credit reports.

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 2024-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that XXXX, Equifax and XXXX will investigate this account for me to ensure accuracy Here is the account I have asked you to asking you to verify as accurate : Account Name : XXXX XXXX  Account Number : XXXX. The Last Reported amount for this account on XXXX and XXXX is XX/XX/XXXX. The Last Reported for this account on Equifax is XX/XX/XXXX. For the last two years, XXXX is showing this account has not been reporting since XX/XX/XXXX. XXXX is showing this account reporting in collections since XX/XX/XXXX. Equifax is showing this account reporting in positive payment history since XX/XX/XXXX. This is inaccurate reporting history reporting. If this item is from the same creditor, the information should be the same from all three bureaus. There is no way to confirm which bureau is reporting correctly and which is inaccurate. This inaccurate information falsely manipulates the my credit worthiness and it's hurting my ability to obtain credit. XXXX, Equifax and XXXX failed to investigate this account properly after I repeatedly asked via written request to have the account updated. Your negligence has once again violated my consumer rights. I am demanding a deletion of the following : Account Name : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that Experian, XXXX and XXXX will investigate this account for me to ensure accuracy Here is the account I have asked you to asking you to verify as accurate : Account Name : XXXX XXXX Account Number : XXXX. The Last Reported amount for this account on XXXX and Experian is XX/XX/XXXX. The Last Reported for this account on XXXX is XX/XX/XXXX. For the last two years, XXXX is showing this account has not been reporting since XX/XX/XXXX. Experian is showing this account reporting in collections since XX/XX/XXXX. XXXX is showing this account reporting in positive payment history since XX/XX/XXXX. This is inaccurate reporting history reporting. If this item is from the same creditor, the information should be the same from all three bureaus. There is no way to confirm which bureau is reporting correctly and which is inaccurate. This inaccurate information falsely manipulates the my credit worthiness and it's hurting my ability to obtain credit. XXXX, XXXX and Experian failed to investigate this account properly after I repeatedly asked via written request to have the account updated. Your negligence has once again violated my consumer rights. I am demanding a deletion of the following : Account Name : 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 explanation
Consumer complaint received 2024-06-18 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 file a complaint with Experian through the CFPB concerning unauthorize use of my consumer report. Experian responded in under 24 hours that the inquiries are Factual even though I gave proof that I only authorized XXXX ( XXXX XXXX ) to obtain a consumer report. Again! look at the documents I've uploaded for your investigation instead of XXXXr or my mailing address. Remove these inquires immediately, I've suffered greatly because of your negligence. I have also uploaded my FTC identity theft report ( XXXX ) for your investigation. Remove the following Inquiries below. 
XXXX. XXXX XXXX XXXX. XXXX XXXX CFPB Complaint # 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 2024-06-18 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 am submitting this complaint to delete the following fraudulent information in my Credit file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that the Credit Bureaus immediately remove these information from my credit report with your firm pursuant of the FCRA Section 605b. Please delete these items as soon as possible : XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$540.00} ; XXXX XXXX ( Original Creditor XXXX XXXX  XXXX XXXX ) XXXX XXXX XXXX {$950.00}.

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 2024-06-18 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or XXXX XXXX XXXX  to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-18 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 have identified unauthorized inquiries on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 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 have identified unauthorized inquiries on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 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:
After examining my credit report, I identified inaccurate accounts that were not due to any error on my part.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 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:
After examining my credit report, I identified inaccurate accounts that were not due to any error on my part.

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