vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-02 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: IL

Complaint narrative:
Last month I called XXXX XXXX to get an extension to XX/XX/XXXX due to me taking money from my retirement on the XXXX and money would be processed into my bank account by XX/XX/XXXX. They granted me an extension and told me that was he longest they could grant and I told them that was the date I was asking the extension for. I asked for an extension only because due to my prior tenant nonpayment of rent and damaging my home in Florida and me being stationed in Illinois I have been paying the mortgage in Florida since XXXX and the bills in florida on top of my rent here and bills here in Illinois. I needed help because I dont not have it at that time but I told them I would have it XX/XX/XXXX and was granted that extension. They dont even wait past XX/XX/XXXX. They were untrue of helping me and still did the late payment. Not long after XX/XX/XXXX which was the date I paid it on I received a late payment on my credit bureaus. If I had known this I wouldve agreed to the arrangement. This unfair and doesnt abide by the FCRA regulations. I just needed a few days extension until I received my money and they granted me the extension but still ended up putting a late payment on my credit reports. Please review the call I made to them last month when I was told my extension was granted. This late payment took XXXX points off of my credit bureaus that I am trying to repair due to having to maintain both locations until I can get my home fully repaired and rented out again. I have more money going out than coming in and trying to repair it has been costing me on top of paying for two locations. Im XXXX  and having bad credit can get me kicked out and I am close to retirement. They have continued to be unfair and not honest. Also one late payment was removed last year and now I have two late payments on my credit again.

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 2024-11-02 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Last month I called XXXX XXXX to get an extension to XX/XX/XXXX due to me taking money from my retirement on the XXXX and money would be processed into my bank account by XX/XX/XXXX. They granted me an extension and told me that was he longest they could grant and I told them that was the date I was asking the extension for. I asked for an extension only because due to my prior tenant nonpayment of rent and damaging my home in Florida and me being stationed in Illinois I have been paying the mortgage in Florida since XXXX and the bills in florida on top of my rent here and bills here in Illinois. I needed help because I dont not have it at that time but I told them I would have it XX/XX/XXXX and was granted that extension. They dont even wait past XX/XX/XXXX. They were untrue of helping me and still did the late payment. Not long after XX/XX/XXXX which was the date I paid it on I received a late payment on my credit bureaus. If I had known this XXXX wouldve agreed to the arrangement. This unfair and doesnt abide by the FCRA regulations. I just needed a few days extension until I received my money and they granted me the extension but still ended up putting a late payment on my credit reports. Please review the call I made to them last month when I was told my extension was granted. This late payment took XXXX points off of my credit bureaus that I am trying to repair due to having to maintain both locations until I can get my home fully repaired and rented out again. I have more money going out than coming in and trying to repair it has been costing me on top of paying for two locations. Im XXXX  and having bad credit can get me kicked out and I am close to retirement. They have continued to be unfair and not honest. Also one late payment was removed last year and now I have two late payments on my credit again.

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 2024-11-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: FL

Complaint narrative:
Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 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: FL

Complaint narrative:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I requested Validation of Debt. Disputed inaccurate information on my credit reports through credit agencies. I was sent a credit card statement from an address that doesnt belong to me, in which an account was opened under my name. Showing card usage doesnt account for me opening this account. Debt validation is showing a wet signature, identification linking the account to me in which they havent done. Also this account is reporting open on my credit reports. How is it open if in collections. Therefore any inaccurate information by law under 15 US Code 1692 ( g ) & 15 US 1692 ( c ) under the consumer law is to be removed if misleading and inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 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: GA

Complaint narrative:
XXXX XXXX IS IN FACT BREAKING FTC STANDARDS AND REGULATIONS, AS WELL AS FCRA AND FDCPA STATUES AND REGULATIONS. AS WELL AS FRAUDULENTLY REPORTING ANOTHER COMPANIES ( XXXX XXXX XXXX a whole other ENTITYs ALLEGED LOAN/DEBT AS THEIR OWN, IN THEIR NAME. IVE NEVER DID BUSINESS WITH ; NOR HAVE I EVER ENTERED INTO CONTRACT FOR A LOAN WITH THIS COMPANY. THIS IS UNETHICAL, UNJUST AND IN VIOLATION of FEDERAL RESERVE BOARD MANDATES. UNDER FCRA AND FDCPA AN ALLEGED DEBT COLLECTOR MUST ACCURATELY REPORT ALL INFORMATION, INCLUDING BUT NOT LIMITED TO ORIGINAL CREDITOR.. THIS IS EGREGIOUSLY MALICIOUS, BASED ON THE FACT ALLEGED ORIGINAL LENDER WAS REMOVED OFF EQUIFAXs PLATFORM, ON MY REPORT FOR NON VERIFICATION OF DEBT UNDER IDENTITY THEFT. THIS ALONG WITH PREVIOUS COMPLAINTS ABOUT THIS COMPANY SHOWS THE DEPTH, VINDICATION, AND AMOUNT OF DISREGARD THIS COMPANY HAS FOR ESTABLISHED LAWS, CODES, AND PROCEDURES.. I DEMAND THIS COMPANY FURNISH TRUE DOCUMENTS WITH MY FACTUAL SIGNATURES AFFIXED AND OR VIDEO DOCUMENTS TO ALIGN WITH THE CLAIMS OF CONSUMER-MERCHANT RELATIONSHIP AND OR CONSUMER ORIGINAL INDEBTEDNESS TO SAID COMPANY.. AS WELL AS I DEMAND AN ARBITRARY RESOLUTION BE SOUGHT OUT AND MEET WITHIN 15 DAYS OF SUBMISSION OF THIS COMPLAINT. OR LEGAL ACTION WILL COMMENCE AND OR OTHER MEDIUMS INCLUDING BUT NOT LIMITED TO FINANCIAL AND GOVERNMENT AGENCIES AS WELL AS LOCAL NEWS ETC. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 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: GA

Complaint narrative:
XXXX XXXX IS IN FACT BREAKING FTC STANDARDS AND REGULATIONS, AS WELL AS FCRA AND FDCPA STATUES AND REGULATIONS. AS WELL AS FRAUDULENTLY REPORTING ANOTHER COMPANIES ( WORLD FINANCE ) a whole other ENTITYs ALLEGED LOAN/DEBT AS THEIR OWN, IN THEIR NAME. IVE NEVER DID BUSINESS WITH ; NOR HAVE I EVER ENTERED INTO CONTRACT FOR A LOAN WITH THIS COMPANY. THIS IS UNETHICAL, UNJUST AND IN VIOLATION of FEDERAL RESERVE BOARD MANDATES. UNDER FCRA AND FDCPA AN ALLEGED DEBT COLLECTOR MUST ACCURATELY REPORT ALL INFORMATION, INCLUDING BUT NOT LIMITED TO ORIGINAL CREDITOR.. THIS IS EGREGIOUSLY MALICIOUS, BASED ON THE FACT ALLEGED ORIGINAL LENDER WAS REMOVED OFF XXXX PLATFORM, ON MY REPORT FOR NON VERIFICATION OF DEBT UNDER IDENTITY THEFT. THIS ALONG WITH PREVIOUS COMPLAINTS ABOUT THIS COMPANY SHOWS THE DEPTH, VINDICATION, AND AMOUNT OF DISREGARD THIS COMPANY HAS FOR ESTABLISHED LAWS, CODES, AND PROCEDURES.. I DEMAND THIS COMPANY FURNISH TRUE DOCUMENTS WITH MY FACTUAL SIGNATURES AFFIXED AND OR VIDEO DOCUMENTS TO ALIGN WITH THE CLAIMS OF CONSUMER-MERCHANT RELATIONSHIP AND OR CONSUMER ORIGINAL INDEBTEDNESS TO SAID COMPANY.. AS WELL AS I DEMAND AN ARBITRARY RESOLUTION BE SOUGHT OUT AND MEET WITHIN 15 DAYS OF SUBMISSION OF THIS COMPLAINT. OR LEGAL ACTION WILL COMMENCE AND OR OTHER MEDIUMS INCLUDING BUT NOT LIMITED TO FINANCIAL AND GOVERNMENT AGENCIES AS WELL AS LOCAL NEWS ETC. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 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: FL

Complaint narrative:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway

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 2024-11-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
15 U.S. Code 1681 ( s ) -2 states that any payments during covid-19 are required to be deferred or forgiven.15 U.S. code 1681 ( 4 ) states i have the right to privacy. I consider my payment history to be private information and must be deleted from my credit report.15 U.S. Code 1681 ( a ) states any transactions between you and the creditor are required to be excluded from your 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 2024-11-02 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: AR

Complaint narrative:
I'm a victim of identity fraud and I've submitted my information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-02 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: AR

Complaint narrative:
I'm a victim of identity fraud and I've submitted my information

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 2024-11-02 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: AZ

Complaint narrative:
15 U.S. Code 1681 ( s ) -2 states that any payments during XXXX are required to be deferred or XXXX5 U.S. code 1681 ( 4 ) states i have the right to privacy. I consider my payment history to be private information and must be deleted from my credit report.15 U.S. Code 1681 ( a ) states any transactions between you and the creditor are required to be excluded from your credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX has violated my rights due to the Us code 1692c by constantly calling and threatening to take actions on me even though I told them the debt is not legally mine

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 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: GA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission 's identity Theft Affidavit. Please delete the items as soon as possible.

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 2024-11-02 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 writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission 's identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-02 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: NV

Complaint narrative:
I reviewed a copy of my credit report and found a account I have no know of XXXX XXXX XXXX XXXX XXXX Amount XXXX} This account is located on my credit report attached to a name that is not mine This is a fraudulent account please delete this account immediately

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 2024-11-02 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 reviewed a copy of my credit report and found a account I have no know of XXXX XXXX XXXX XXXX XXXX Amount XXXX  This account is located on my credit report attached to a name that is not mine This is a fraudulent account please delete this account immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-02 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: FL

Complaint narrative:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX681 ( s ) -2 states that any payments during XXXX are required to be deferred or forgiven.15 U.S. code 1681 ( 4 ) states i have the right to privacy. I consider my payment history to be private information and must be deleted from my credit report.15 U.S. Code 1681 ( a ) states any transactions between you and the creditor are required to be excluded from your 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 2024-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX, and the information listed below, which appears on my credit report, is a result of that XXXX. 

Please block the following information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I would also appreciate receiving notification of the actions taken. 

XXXX. ( XXXX XXXX, Account Number : XXXX ) XXXX. ( XXXX, Account XXXX : XXXX ) XXXX. ( XXXX, Account XXXX : XXXX ) XXXX. ( XXXX, Account Number : XXXX ) XXXX. XXXX XXXX XXXX XXXX, Account Number : XXXX ) XXXX. ( XXXX XXXX, Account Number : XXXX ) XXXX. ( XXXX XXXX XXXX, Account Number : XXXX ) XXXX. ( XXXX XXXX, Account Number : XXXX ) XXXX. ( XXXX, Account XXXX : XXXX ) XXXX. ( XXXX XXXX, Account Number : XXXX ) XXXX. ( XXXX, Account Number : XXXX ) XXXX. ( XXXX XXXX, Account Number : XXXX ) XXXX. ( XXXX XXXX, Account Number : XXXX ) Inquiry : ( XXXX XX/XX/XXXX ) Thank you for your prompt attention to this matter. Please find my proof of identity and trafficking documentation enclosed. 

Sincerely, XXXX XXXX XXXX Enclosures : Proof of identity XXXX  Documentation

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 2024-11-03 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:
XXXX : ACCORDING TO XXXX XXXX TRANSUNION 1997, XXXX IS SUPPOSED TO ENSURE MAXIMUM POSSIBLE ACCURACY. THIS ACCOUNT VIOLATES THESE LAWS. 15USC1681I, 15USC1681S-2. 15USC1681I ( 5 ), 15USC1681E ( B ). DELETE ACCOUNT According to FCRA section 605B it is illegal to report information on my credit report without my permission please remove this off my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-03 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: SC

Complaint narrative:
XXXX : ACCORDING TO XXXX XXXX XXXX 1997, XXXX IS SUPPOSED TO ENSURE MAXIMUM POSSIBLE ACCURACY. THIS ACCOUNT VIOLATES THESE LAWS. 15USC1681I, 15USC1681S-2. 15USC1681I ( 5 ), 15USC1681E ( B ). DELETE ACCOUNT According to FCRA section 605B it is illegal to report information on my credit report without my permission please remove this off my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CA

Complaint narrative:
Submitted payments that never posted to my account. 
Changed my monthly payment and payment plan without my permission. 

They won't accept my public student loan documents even though it has been proven that I work for a qualified employer. 

They placed my loans in forbearance without my permission after I submitted my recertification for public student loan forgiveness program.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation