vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-26 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: NJ

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-26 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:
After receiving letters from XXXX XXXX XXXX, Transunion, XXXX, XXXX, XXXX and XXXX about my information being hacked or leaked, I reached out to both bureaus that contained misinformation. It appears an individual attempted to open several accounts using my information. I completed a FTC report and reported this information via phone call to the local PD. I submitted this I information to Transunion and XXXX, and after waiting minimally an hour was able to speak to a representative. These representatives were unhelpful and combative, but I believed a solution would be established. Upon a more recent check, I realized nothing was done and the inaccurate information remains on my reports. I believe the bureaus job is to make sure all information is accurate, and if not, do the research to ensure it will be. I immediately need a resolution, to remove at minimum 3 Transunion inquiries from XX/XX/year>, that I 100 % was not apart of. Also there is a single inaccuracy on the XXXX report, claiming and inquiry from XXXX XXXX XXXX. I did not request this. Please advise, thank you.

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 2024-08-26 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:
After receiving letters from XXXX XXXX XXXX, XXXX, Equifax, XXXX, XXXX and XXXX about my information being hacked or leaked, I reached out to both bureaus that contained misinformation. It appears an individual attempted to open several accounts using my information. I completed a FTC report and reported this information via phone call to the local PD. I submitted this I information to XXXX and Equifax, and after waiting minimally an hour was able to speak to a representative. These representatives were unhelpful and combative, but I believed a solution would be established. Upon a more recent check, I realized nothing was done and the inaccurate information remains on my reports. I believe the bureaus job is to make sure all information is accurate, and if not, do the research to ensure it will be. I immediately need a resolution, to remove at minimum 3 XXXX inquiries from XX/XX/year>, that I 100 % was not apart of. Also there is a single inaccuracy on the Equifax report, claiming and inquiry from XXXX XXXX XXXX. I did not request this. Please advise, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I set up an account at TransUnion. When I tried to log in and put a freeze on access to my credit, the system would not let me log in. I tried resetting the password and TransUnion still would not let me log in. I tried other user names just in case I made a mistake. That did not work either. The latest attempt was made XX/XX/year>. Attempts were made in the prior week as well.

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 2024-08-26 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:
This CFPB complaint has been filed to request, pursuant to FCRA 605B or 15 U.S.C. 1681c-2, that you, the EQUIFAX Credit Reporting Agency , block informations appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint.

This fraudulent, inaccurate, and false information consists of the following : 1- Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inaccurate addresses : 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 XXXXXXXX Unauthorized inquiries : XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX Inaccurate employment : XXXX, XXXX XXXX XXXX XXXX Incorrect name : XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit reports. I have attached a list of the hard inquiries in question, as well as a copy of the consumer FICO credit report maintained, which shows the mentioned fraudulent items.

I do not recognize the mentioned accounts, collections, or hard inquiries as reported. The mentioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by me were not opened, made, or initiated by me. All of the mentioned accounts, collections, and hard inquiries are the result of identity theft and fraud. 

I have attached a copy of FTC Identity Theft Criminal Complaint number XXXX as proof from the US Federal Trade Commission that all of the mentioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 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: IL

Complaint narrative:
This information does not belong to me. Please assist me in blocking this information from my consumer 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 non-monetary relief
Consumer complaint received 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This information does not belong to me. Please assist me in blocking this information from my consumer reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-26 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

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 2024-08-26 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: VA

Complaint narrative:
I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Voss & Klein, LLC
State: VA

Complaint narrative:
I was told this issue would be taken care of and totally banboozle by this company XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 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: PR

Complaint narrative:
This account was charge off in XX/XX/XXXX and was reopened with a new balance in XX/XX/XXXX. This information is incorrect and this account should be deleted. By the provisions of the fair credit reporting act I demand remove any information that the creditor can not verify I understand that under 15 USC Sec 1681 ( a ) you must complete the reinvestigation within 30 days. 

XXXX : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION : 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 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Please correct the information that was listed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 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: NV

Complaint narrative:
XXXX, XXXX, Equifax say the information is corrct and was updated by the reorting intentity but failed to provider me with how this information was properly verified the collection is fron XXXX XXXX and associates

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 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: NV

Complaint narrative:
XXXX, Experian, XXXX say the information is corrct and was updated by the reorting intentity but failed to provider me with how this information was properly verified the collection is fron XXXX XXXX and associates

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 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XXXX, someone tried to open a credit card with Bank of America in my name. 

In XXXX I followed Bank of America 's policy to request a copy of the application, following the FACT ACT 151 procedure. I sent an application and a photocopy of my drivers license. They say the mailing never arrived.

I tried again using certified mail. This time they acknowledged receiving it, but inform me that the photocopy of my drivers license was missing. So I should try a 3rd time.

Someone in their mailroom is obviously stealing the drivers license photocopy. I'm trying to deal with attempted identity theft, and I'm being required to do something incredibly unsafe, namely mail a photocopy of my drivers license to a XXXX XXXX  . 

Bank of America insists that no other process for proving my identity is possible. They don't care that they have someone stealing IDs. They don't care that they are flouting the FACT ACT by refusing to comply. I have no reason to believe that trying again will solve the problem.

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 2024-08-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
I will not stop with my complaint until something is done this was wrong and it was already removed from my credit report in XXXX  because this is a third party company they went and garnished me WITHOUT my knowledge or proper documentation was NEVER GIVEN TO me to so no one personally looked at it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: FL

Complaint narrative:
Mohela has been secretive, unavailable and isn't set up to manage student loan debt. I've been inquiring about my PSLF status for roughly 3 years. I haven't heard anything regarding the status of my application, only that it has been received. This has caused financial hardship in that working in a XXXX XXXX XXXX XXXX, I am sacrificing compensation for forgiveness of loans. In three years, Mohela hasn't even looked at the application. Have I just worked three years in a position for the sole purpose of debt relief, but the application itself hasn't been looked at? Why would I continue to keep working in a XXXX XXXX XXXX for loan forgiveness if the service provider is not communicating with me? Recently, Mohela has won a major supreme court decision that affects my assets and well-being. They put a lot of assets into the court case, but nothing in the way of providing the service they claim to offer. It is this blatant disregard for the borrower and their lust for profits that is terrifying. Since taking over the " service provider '' role, Mohela hasn't provided anything, but confusion, potential wage and career loss and stress. Mohela is only interested in profit and it is very obvious in the way they ignore the borrower and are only visible when they are in court attacking our payment plans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 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: DISCOVER BANK
State: IL

Complaint narrative:
This has been a problem every since XXXX XXXX XXXX had that data-breach recently. These accounts are not mine. Pls assist me in removing them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 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: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
This has been a problem every since XXXX XXXX XXXX had that data-breach recently. These accounts are not mine. Pls assist me in removing them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-26 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate.

Please remove these Inquiries from my credit report.

These inquiriesarelisted :

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 2024-08-26 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate. 
Please remove these Inquiries from my credit report. 
These inquiriesarelisted :

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 2024-08-26 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: MA

Complaint narrative:
recently checking my credit report i noticed that i've been a victim of identity theft and found numerous credit inquiries i have no knowledge of here are the inquiries that 've found : XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX Please remove these fraudulent inquiries from my credit report. I also attached my identity theft report as well.

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 2024-08-26 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: MA

Complaint narrative:
recently checking my credit report i noticed that i've been a victim of identity theft and found numerous credit inquiries i have no knowledge of here are the inquiries that 've found : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove these fraudulent inquiries from my credit report. I also attached my identity theft report as well.

Company response to consumer: Closed with non-monetary relief