vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-20 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:
I recently reviewed my Credit Report and noticed XXXX accounts and XXXX hard inquiries that I do not recognize. I've never established any business with this companies, nor gave permission to run my Credit Report on the inquiries. These accounts have been added to my Identity Theft Report. XXXX XXXX, XXXX, AND XXXX. Also, the XXXX hard inquiries have been added. These accounts are fraudulent and doesn't belong to me. This is Identity Theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 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:
I recently reviewed my Credit Report and noticed XXXX accounts and XXXX hard inquiries that I do not recognize. I've never established any business with this companies, nor gave permission to run my Credit Report on the inquiries. These accounts have been added to my Identity Theft Report. XXXX XXXX, XXXX, AND XXXX. Also, the XXXX hard inquiries have been added. These accounts are fraudulent and doesn't belong to me. This is Identity Theft.

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 2024-12-20 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: GA

Complaint narrative:
In review of my credit profile I seen that there was some hard inquiries that are not mine.

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 2024-12-20 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: NJ

Complaint narrative:
I am writing to formally dispute inaccurate information that is being reported on my credit report. Specifically, the following items are incorrect and are negatively impacting my credit score : Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$750.00} Reason : I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

These items are either reported incorrectly or have already been resolved, so I ask for a thorough investigation and correction. I've reached out to the credit reporting agency and the data furnisher, but the issue persists. Ive attached supporting documents and screenshots of my credit report to illustrate the inaccuracies and support my claim. Please address this matter promptly and update my credit report to reflect accurate 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 2024-12-20 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: NJ

Complaint narrative:
I am writing to formally dispute inaccurate information that is being reported on my credit report. Specifically, the following items are incorrect and are negatively impacting my credit score : Account Name : XXXXXXXX XXXX  I Account Number : XXXX Balance : {$750.00} Reason : I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

These items are either reported incorrectly or have already been resolved, so I ask for a thorough investigation and correction. I've reached out to the credit reporting agency and the data furnisher, but the issue persists. Ive attached supporting documents and screenshots of my credit report to illustrate the inaccuracies and support my claim. Please address this matter promptly and update my credit report to reflect accurate 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 non-monetary relief
Consumer complaint received 2024-12-20 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: WI

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information 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 2024-12-20 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: EQUIFAX, INC.
State: WI

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 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: CA

Complaint narrative:
Experian : These debts is considered a Charge Off. However, this actually considered income because I should have received a 1099c in order to account for this as in come. This is not a Charge Off I'm requesting these to be removed because it's not debt. This is considered income and income should not be reported on your credit 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 XXXXXXXX.

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 2024-12-20 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: OH

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within XXXX  days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 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:
I was a victim of Identity theft. I sent Equifax, XXXX XXXX XXXX  a copy of my Police report & FTC report, and they started a dispute removed accounts, but didn't remove XXXX XXXX Bankruptcy. After the dispute was finished they reinserted accounts was was removed and refocused to remove the Accounts. Here are the account the refused to remove and reinserted on my credit report after the dispute. 
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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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 addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2024-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I contacted USAA on XX/XX/XXXX, to inform them that I wanted to dispute several XXXX and XXXX XXXX charges because a person named XXXX XXXX contacted me from a phone number similar to USAA 's XXXX number it was XXXX and informed me that my account is on high alert and I needed to take measures to rectify this situation prior to the matters getting worst and any company could just make withdrawals out of my checking account. These withdrawals convened on XX/XX/year>. He instructed me to go to XXXX and/or XXXX XXXX to get certified gift cards totaling {$7500.00}. I followed these instructions. Upon notifying USAA ( XXXX ) I provided the chronology as listed on XXXX in the same detailed manner. I received a provisional credit to the account pending completion of the investigation which moved from dispute to the fraud department. Between XXXX and XXXX, I talked to over XXXX fraud representatives asking them the status of my case and have they read the transcript from the discussion with XXXX on XXXX. XXXX I was notified that the provisional credit would be reversed to reflect a {$7500.00} negative amount to my checking account. On XXXX I asked XXXX to have someone contact to send me the documents used to make the decision that was derived at such as phone calls, letters, memo to the file, and etc. On XXXX I received a notification that per my request the documents used are " Dispute ID # XXXX and dollar amounts. A true investigation was never conducte based on the information that I provided.

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 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: OR

Complaint narrative:
On XXXX XXXX I sent an official check to pay off my loan with Ally Financial. I sent the check certified mail and had it tracked, the payoff was dated through XX/XX/XXXX. The mailing service was delayed and the payment was recieved by Ally on XX/XX/XXXX with a receiving signature. On XXXX XXXX I recieved a past due notice from Ally. When I contacted Ally they said that they recieved the payoff check but the payoff was routed to the wrong address even though the correct address was on the mailed item. Ally said that no penalties would be assessed and that my credit would not be effected as this was their mistake. On XXXX XXXX I was informed that they didn't have the payoff check and that I would need to put a stop pay on the check and send a new one for the new payoff amount. I called on XX/XX/XXXX to check the balance on my Ally account and I was immediately routed to the collection department. I told them the situation and they said that they recieved a check but it was not enough to payoff my loan and as far as Ally was concerned, I was in default on my loan. They told me that they would not be able to remove the late payment but may be able to once the account was paid off and closed. They also stated that no one from Ally would have said that it would not effect my credit. The way that the collector spoke with me was demeaning and confrontational. Today, XX/XX/XXXX I spoke with XXXX at Ally in the payoff department. She stated that Ally was at fault and I would need to contact Ally customer service to file a dispute to remove the late payment from my credit and she stated that there is still money owed on the account. To which I responded- I am willing to pay the interest accrued from the stated payoff date of XX/XX/XXXX to XX/XX/XXXX when they recieved the payment but no more as this is their mistake. I filed disputes with all XXXX credit bureaus earlier today. I am requesting that the late payment be removed from my credit and that Ally update the balance reflected on my credit report of {$1300.00} to {$0.00} paid in full as the {$160.00} due in interest from XX/XX/XXXX to XX/XX/XXXX was paid on XX/XX/XXXX. Additionally, I am reporting that I do not believe Ally has been in compliance with the FDCPA, the FCRA- Fact Act in relation to my experience with them. They held my payoff check for at least XXXX weeks without negotiating it and refusing to take responsibility for their systemic issues. When I inquired after the delinquency notice that I recieved Ally admitted that this was their error but then continued to collect, accrue fees and interest and now they have damaged my credit. I would like Ally to be investigated for consumer lending violations and to raise awareness by submitting this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: FL

Complaint narrative:
Complaint Subject : Dispute of Charge-Off Account Under FCRA Sections 1681b ( 2 ), 1681b ( 5 ), and 611 Your Information : Name : XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX Reporting Agency Name Experian XXXX XXXX XXXX  Account Number XXXX XXXX Complaint Details : I am filing this complaint because there is a charge-off on my credit report that I believe is inaccurate. I have disputed this charge-off with the credit reporting agency, but it has not been addressed properly in accordance with the Fair Credit Reporting Act ( FCRA ). 
Specifically, the charge-off listed under XXXX XXXX XXXXXXXX is reported as a negative entry, but I dispute its accuracy. I have requested that the credit reporting agency investigate the charge-off under the following sections of the FCRA : XXXX. Section 1681b ( 2 ) This section mandates that all information reported about me must be accurate and reflect the truth. 
XXXX. Section 1681b ( 5 ) This section requires that users of consumer reports ensure that they have a permissible purpose for obtaining and using my credit report and that the information is accurate. The charge-off XXXX have been reported inaccurately due to a lack of proper verification. 
XXXX. Section 611 This section requires that all disputes be investigated and resolved within 30 days, ensuring that inaccurate information is either verified or deleted from the credit report Despite my request, the credit reporting agency has failed to respond in a timely manner, and I have not received a satisfactory resolution. Under Section 1681b ( 2 ), the credit reporting agency is obligated to report only accurate information, and Section 1681b ( 5 ) requires that the information has been reported with a legitimate permissible purpose. Under Section 611, they must complete a full investigation within XXXX  days of my dispute. 
I believe the charge-off is inaccurate for the following reason ( XXXX ) : This information must be verified and evidence of the investigation sent. 
I am requesting that the CFPB assist in ensuring that this charge-off is properly investigated and, if the creditor Provid not substantiate its accuracy, that it be removed from my credit report.

Action Requested : Ensure that the charge-off is verified or deleted in compliance with FCRA Sections 1681b ( 2 ), 1681b ( 5 ), and 611. 
Ensure that the credit reporting agency conducts a complete and timely investigation into my dispute and resolves the issue as required by the FCRA. 
Thank you for your attention to this matter. 
Sincerely, 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 explanation
Consumer complaint received 2024-12-20 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: FL

Complaint narrative:
Complaint Subject : Dispute of Charge-Off Account Under FCRA Sections 1681b ( 2 ), 1681b ( 5 ), and 611 Your Information : Name : XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX Reporting XXXX Name Experian XXXX XXXX XXXX Account Number XXXX XXXX Complaint Details : I am filing this complaint because there is a charge-off on my credit report that I believe is inaccurate. I have disputed this charge-off with the credit reporting agency, but it has not been addressed properly in accordance with the Fair Credit Reporting Act ( FCRA ). 
Specifically, the charge-off listed under XXXX XXXX XXXXXXXX is reported as a negative entry, but I dispute its accuracy. I have requested that the credit reporting agency investigate the charge-off under the following sections of the FCRA : XXXX. Section 1681b ( 2 ) This section mandates that all information reported about me must be accurate and reflect the truth. 
XXXX. Section 1681b ( 5 ) This section requires that users of consumer reports ensure that they have a permissible purpose for obtaining and using my credit report and that the information is accurate. The charge-off may have been reported inaccurately due to a lack of proper verification. 
XXXX. Section 611 This section requires that all disputes be investigated and resolved within XXXX  days, ensuring that inaccurate information is either verified or deleted from the credit report Despite my request, the credit reporting agency has failed to respond in a timely manner, and I have not received a satisfactory resolution. Under Section 1681b ( 2 ), the credit reporting agency is obligated to report only accurate information, and Section 1681b ( 5 ) requires that the information has been reported with a legitimate permissible purpose. Under Section 611, they must complete a full investigation within XXXX  days of my dispute. 
I believe the charge-off is inaccurate for the following reason ( XXXX ) : This information must be verified and evidence of the investigation sent. 
I am requesting that the CFPB assist in ensuring that this charge-off is properly investigated and, if the creditor Provid not substantiate its accuracy, that it be removed from my credit report.

Action Requested : Ensure that the charge-off is verified or deleted in compliance with FCRA Sections 1681b ( 2 ), 1681b ( 5 ), and 611. 
Ensure that the credit reporting agency conducts a complete and timely investigation into my dispute and resolves the issue as required by the FCRA. 
Thank you for your attention to this matter. 
Sincerely, 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 explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ECMC GROUP, INC.
State: CA

Complaint narrative:
My first complaint to XXXX was to establish, that I was not aware of opening any Student Loans in the XXXX of XXXX. However, I made between XXXX and XXXX payments, all in good faith, towards this Fraudulent ( XXXX  ) Student Loan at the time they were servicing this Student Loan between XX/XX/XXXX - XX/XX/XXXX. 
I complained to XXXX, this was not my Student Loan. At that time, I asked XXXX to give me any records of Disbursement of Funds, in my name, from XXXX XXXX XXXX. XXXX never provided that information. XXXX transferred or sold this XXXX XXXX to ECMC, between XXXX. I established a rehabilitation payment plan, again, IN GOOD FAITH, with ECMC, to try and resolve this Student Loan. 
I asked ECMC to provide records of Disbursement of Funds, in my name, from XXXX XXXX XXXX. ECMC told me the burden of PROOF is on my shoulders. I said, ok. On XX/XX/XXXX, I contacted XXXX XXXX XXXX XXXX Financial Aid/Bursars office. 
They provided me with my Student Financial Aid record for the XXXX of XXXX. There are NONE, not one Student Loan listed, nor are there any Disbursement of Funds, allocated to me, in my name in the XXXX of XXXX. This is XXXX of the Fraudulent Student Loans and Corruption XXXX  was found guilty of. 
My Student Financial Aid record substantiates my claim. I have been Threatened and Harassed for 20 years - my credit score/report has been tarnished, by this Fraudulent Student Loan. I am asking ECMC, to withdraw, close and remove my name from this Fraudulent Student Loan, and to stop reporting this Fraudulent Student loan to all CRAs.

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