vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-30 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:
XXXX XXXX XXXX XXXX CT XXXX, GA XXXX TO WHOM IT MAY CONCERN, Re : Victim of identity theft this was not sent in error, and not a material misrepresentation To whom it may concern these items in my credit file are from unauthorized use of my social security number and card. i did not authorize these accounts to be taken out in my name nor they relate to anything i did. im unaware of any of this. Please REMOVE this information no later than 4 days after receiving this letter under 15 U.S. Code 1681c2. 

Sincerely, XXXX XXXX Enclosures : Proof of identity, Affadavit of truth/identity theft 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 2024-05-30 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:
XXXX XXXX XXXX XXXX CT XXXX, GA XXXX TO WHOM IT MAY CONCERN, Re : Victim of identity theft this was not sent in error, and not a material misrepresentation To whom it may concern these items in my credit file are from unauthorized use of my social security number and card. i did not authorize these accounts to be taken out in my name nor they relate to anything i did. im unaware of any of this. Please REMOVE this information no later than 4 days after receiving this letter under 15 U.S. Code 1681c2. 

Sincerely, XXXX XXXX Enclosures : Proof of identity, Affadavit of truth/identity theft report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: HireRight Solutions, Inc.
State: TX

Complaint narrative:
I hold a XXXX XXXX XXXX On my employment history, XXXX XXXX keeps showing up but Ive never worked for XXXX. 
Also. XXXX XXXX XXXX XXXX XXXX, has sent me an email stating my XXXX school info/XXXXproof is missing. I attended school in XXXX. I have my XXXX But HireRight is not listing this information on my report. 
HireRight is posting incorrect information on my XXXX XXXX. Thus causing me to miss great opportunities for work.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EGL US, LLC
State: PA

Complaint narrative:
I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: National Enterprise Systems, Inc.
State: OH

Complaint narrative:
Frequent calls # 16 received from XXXX, almost 3 times a week. I have texted back " STOP '', and " Stop calling me '', but the calls keep coming.

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 2024-05-30 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: PA

Complaint narrative:
In my credit report, I found some unrecognizable accounts. As a result of not knowing about the existence of the accounts listed below, they need to be removed. I have been a victim of identity theft. All the accounts listed in this letter are unfamiliar to me. The Federal Trade Commission has been notified of the theft of my identity, and I have received copies of the Identity Theft Affidavit from the Federal Trade Commission. In this letter, I respectfully request that the items listed be removed. I appreciate your team 's assistance in advance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 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: NC

Complaint narrative:
In accordance with the Fair Credit reporting act, the list of the accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX Acct no XXXX XXXX  XXXX  Acct no XXXX XXXX XXXX Acct no XXXX XXXX XXXX  Acct no XXXX XXXX XXXX  Acct no XXXX XXXX XXXX XXXX Acct no XXXX They have violated my rights. 

15 USC 1681 section 602 A section 602 A. States I have a right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a count without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer 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 USC 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 information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 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: HEARTLAND PAYMENT SYSTEMS INC
State: NY

Complaint narrative:
This is not my account. I have never made any payments on this account. ECSI is reporting inaccurate and fraudulent information. this is way too old to be new on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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:
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 XXXX  Account NumberXXXX Account Name : XXXX XXXX XXXX XXXX Account NumbeXXXX has violated my rights. Or a list of inquiries : 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 information is inaccurate.

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 2024-05-30 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: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2024-05-30 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: Castle Mortgage Corporation dba Excelerate Capital
State: IL

Complaint narrative:
I kindly request the immediate removal of this inquiry from my credit report, as it is not associated with me, and I have no affiliation with the involved creditors.

Company response to consumer: Untimely response
Consumer complaint received 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SOFI TECHNOLOGIES, INC.
State: IN

Complaint narrative:
I have been trying to resolve this dispute for XXXX years. When XXXX hit, XXXX offered an alternative payment plan, which they advertised on their website and to their customers. Due to the global emergency, customers were put on a plan to pay less and not be reported. I was put on this plan but started getting reported each month. I have never had late payments until XXXX. I contacted them multiple times and explained that they had put me on the global emergency plan, and they agreed that I was not supposed to be reported. Despite this, I have been reported almost 32 times for two separate loans, and there has been no response from XXXX. They continue to threaten to charge off, and I continue to make payments as best I can, but I can not catch up with the past due amount. I would not have any past amount if they had never put me on the plan and reported otherwise. They fraudulently placed me on a plan and reported me as delinquent even though I made the new payment as required. I have documentation over the last three years to show they lied and continue reporting me. I will be seeking legal remedy with the state attorney general as well. These fraudulent practices shall not continue. They put me on a plan I didnt need, had me pay a different balance, and lied and reported me for not paying enough.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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:
I have no affiliation with the listed creditors and did not initiate this inquiry. Please remove it from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am rewriting to complaint to BANK OF AMER about the reported unauthorized inquiries and the inaccurate account on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX, and my name is XXXX XXXX XXXX. My birthdate is XXXX 

I HAVE MY OWN FUNDING BEFORE I WENT TO THE DEALERSHIP AND THESE DEALERS BELOW WERE NOT AUTHORIZED TO PULL MY CREDIT The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights.

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 2024-05-30 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: VA

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 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 2024-05-30 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: VA

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 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 2024-05-30 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: GA

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX : # XXXX, XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Transunion credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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 information is inaccurate.

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 2024-05-30 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION
State: NV

Complaint narrative:
I was approved for Borrower Defense and my Federal Loans have been forgiven. XXXX XXXX XXXX was a for profit Institute. Known for predatory lending.

I had loans with XXXX that turned into Sallie Mae.

They refuse to give a lower payment and I've paid {$350.00} for a long time. I'm a single mom. This is going to pull my credit down as well...

They are calling me EVERYDAY but offer NO SOLUTION. Other than acting like they have one. 

These loans should be canceled since the school was a fraud and is no longer open here in XXXX XXXX. 

I don't understand how these can still be in service anyway. Seeing as XXXX XXXX XXXX were a scam... I only owe {$14000.00}. 

Not even sure what happened with XXXX. They have switched around...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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, has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
I have never signed or agreed to do business with the company know as Credit collection services I requested debt validation which is required as per article 15 usc 1692g which I never received any response. I am requesting that due the fact of them not being able to validate this debt I am requesting it to be immediately removed from my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I had a CD approaching maturity and was sent a pre-renewal notification advising that I could go online to renew, or call a banker to renew. I chose to use their website to choose renewal terms on my existing CD. The options I needed to update to provide renewal terms were, if I wanted to add or delete money to the existing CD and the length of time for the new CD. The length of time also shows the interest rate being offered for that amount of time. There is a drop down that allow the selection for each of these. I chose to ADD money BECAUSE of the promotional APY of XXXX that was presented to me on their website. By selecting the promotional offer, I needed to also increase the length of my existing CD from a XXXX term to a XXXX term. I also chose to add {$3000.00} to the existing CD. I then received a confirmation on their website of my new renewal terms. However, when my CD renewed, they only chose to take the {$3000.00} from my bank account to add it to the CD and they extended my new CD term by XXXX additional months. They did NOT warrant the third item of renewing at the rate that was offered with those terms in my renewal instructions. The bank has confirmed that there was indeed the XXXX promotion in place when I submitted my renewal instructions on their website. However they are telling me that the CD renews at the rate in place on the date of maturity. So, I feel like this " almost '' has a bait-and-switch appearance to it because they added $ to it and extended the CD term but did not provide the rate that was presented/promised. My decisions on the renewal terms were based solely on the new rates that they presented to me on their website and I would have NEVER increased the term, or ADDED money to it, if I would have believed that they would not also honor the interest rate that was presented on the same screen.

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 2024-05-30 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: WI

Complaint narrative:
Follow up disputes that in process. XXXX service rep advised me to send. Police report which is consider additional information to remove items shown on credit report. 2 accounts XXXX XXXX XXXX who l have already sent copies police reports identity theif name was exspose across black Webbiite addition ld attached with copy bill recent bill social security

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