vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-08 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: NC

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 NumberXXXX 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 XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 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: NC

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 Number:XXXX 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 XXXX 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 2024-04-08 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: FL

Complaint narrative:
identity theft. 
inquiries accounts that are not mines.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 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: CA

Complaint narrative:
I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. This account continuously shows up my account past the CO date XXXX/202. Which is illegal. The inaccuracies are highly injurious to my credit score. XXXX XXXX XXXX XXXX XXXXIn accordance with The Fair Credit Reprorting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your investigation.

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 2024-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capital Management Services, LP
State: IL

Complaint narrative:
Urgent Complaint Regarding Fraudulent XXXX XXXX  Account : Dear Consumer Financial Protection Bureau, I hope this message finds you well. I am writing to bring to your attention a persistent issue regarding a fraudulent XXXX account that has plagued my credit profile for some time now. Despite numerous attempts to rectify the situation, the account remains active, causing significant distress and financial harm. I have reported this XXXX Bank account multiple times as fraudulent, yet to no avail. Explaining that my identity was stolen in XXXX without my knowledge, the perpetrator even files taxes for XXXX and XXXX under my name. I had to go to IRS to verify my identity for this as well. Regrettably, the account continues to linger on my credit profile, adversely affecting my financial standing. During their investigation, XXXX XXXX provided erroneous information to XXXX and XXXX, claiming that the aforementioned account is mine without sending documentation of findings of verification. This misinformation not only exacerbates the situation but also serves to highlight the severity of identity XXXX associated with this account. I urge you to intervene promptly and take necessary actions to address this matter. It is imperative that the fraudulent XXXX XXXX account be removed from my credit profile immediately, and appropriate measures be taken to rectify the damage caused. Furthermore, I request a thorough investigation into XXXX Bank practices regarding identity verification and account handling to prevent similar incidents from occurring in the future. 

I called XXXX Bank on XXXX to get there respond to this matter, and the representative was as confused as me. She informed me the address they have on file XXXX XXXX which is not my address and I have never lived at this residence. My name is also spelled wrong " XXXX '' is what XXXX XXXX has on file and the correct spelling is " XXXX '' she claimed it was a typo but that doesn't justify it not being correct, and the last thing that verifies this is a fraudulent account is the email that is on file of XXXX which is also not my email. I appreciate your attention to this matter and look forward to a swift resolution.Sincerely, 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 2024-04-08 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: Diversified Adjustment Service, Inc.
State: AL

Complaint narrative:
Re : Dispute of Inaccurate Debt Information and Identity Theft Due to XXXX Data Breach ( XXXX ) To Whom It May Concern, I am writing to dispute and request the removal of inaccurate information from my credit report, as well as to address an instance of identity theft resulting from the XXXX data breach of XXXX. 

Regarding the inaccurate information on my credit report, I have discovered discrepancies related to the account details foXXXX XXXX # XXXX. Specifically, the date last active and the date reported are inaccurately listed. According to my records, the account was last active on XX/XX/XXXX and reported on a different date. These discrepancies are in violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681 Section 604 A Section 2. This section mandates that consumer reporting agencies can not furnish information without the consumer 's written instructions. I have not provided consent for the inclusion of this account on my credit report, nor have I authorized its furnishing. 

Furthermore, I have been impacted by identity theft as a result of the XXXX data breach of XXXX. Criminals exploited the compromised data to fraudulently obtain mobile services from XXXX under my name. This has led to unauthorized accounts and charges on my credit report, causing financial repercussions and personal distress. 

In response to these issues, I request that the inaccurate account information for XXXX  # XXXX be promptly removed from my credit report. Additionally, I urge XXXX and the credit bureau XXXX XXXX XXXXcessary measures to address the identity theft incident and prevent further misuse of my personal information. 

Account Details : Creditor : XXXX  Account Number : # XXXX Amount : {$880.00} I request that you conduct a thorough investigation into both matters and provide me with a written response detailing the actions taken to resolve these disputes. Please send all correspondences regarding this matter to the address listed above. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 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: CA

Complaint narrative:
XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Complaint against TransUnion for Violation of FCRA Dear Sir/Madam, I am writing to file a formal complaint against TransUnion for what I believe to be a violation of the Fair Credit Reporting Act ( FCRA ). 
I had previously contacted TransUnion on XXXX regarding a Bankruptcy on my TransUnion credit report that is not mine. As per the FCRA, I requested detailed information and documentation related to their investigation of my dispute. However, despite my repeated requests, TransUnion has failed to provide the necessary information and documentation. 
This lack of transparency and failure to provide the requested information is, to my understanding, a violation of the FCRA. The FCRA clearly states that consumers have the right to know the information in their file and the right to dispute incomplete or inaccurate information. 
Furthermore, due to TransUnion 's non-compliance with the FCRA, I have been unable to secure credit. This has caused me significant financial hardship and distress. I believe that TransUnion is liable for monetary damages due to their violation of the FCRA and the subsequent impact on my ability to secure credit. 
I kindly request the Consumer Financial Protection Bureau to look into this matter and take appropriate action. I am hopeful that your intervention will ensure that TransUnion complies with the FCRA and provides the necessary information and documentation related to their investigation. 
Please find attached copies of my correspondence with TransUnion for your reference. 
Thank you for your attention to this matter.

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 2024-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 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: TN

Complaint narrative:
I did not initiate these accounts, and I suspect them to be fraudulent. I request a thorough investigation and their removal from my credit report. Attached are supporting documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: OH

Complaint narrative:
On XX/XX/23 I sent a test payment of XXXX to last XXXX  address in bank account since XXXX. It went through so I sent the remainder {$300.00}. It went through. Unfortunately in NEVER showed up with Mohela. I corrected the address, tried calling the number for XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX. I have spoken with Mohela multiple times. I contacted my bank who said they could not refund since it was processed. Mohela was supposed to be tracked down the money & have it redirected to them. They haven't. Last call they said it was my responsibility. All records show this used to be XXXX XXXX. I have no idea where the money is. {$310.00} paid in XXXX & never returned or refunded, or forwarded to correct company. I have always paid my bills on time. I need help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 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: IN

Complaint narrative:
A bankruptcy was inaccurately reported on all 3 credit bureau reports, after disputing several times it was finally removed by one, both my Experian and XXXX credit reports have continued to show the bankruptcy regardless of agreeing that the information was in fact reported incorrect for over XXXX, now XXXX  years. XXXX momentarily removed it, only to add it again, requiring me to submit yet another dispute. Because bankruptcies are so hard to dispute with any bureau, they first repeatedly declined my disputes, regardless of the dates, court, and filing number being incorrect, relying solely on XXXXXXXX XXXX and not the factual information provided by the state of Indiana. I have worked so hard to rebuild my credit and these are fights that they refuse to legally partake in, resulting in XXXX years of harmful credit damage.

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 2024-04-08 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: WV

Complaint narrative:
I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ).

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.

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 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My XXXX XXXX account # XXXX continues to NOT be reported to any of the XXXX Credit Bureaus. 

I originally contacted XXXX via phone around mid to late XX/XX/XXXX to report this issue. I was told on the phone that XXXX needed 30 days to investigate. I received the attached letter dated XX/XX/XXXX notifying me that XXXX thorough investigation has been completed and that XXXX is able to confirm that the account was reported to the XXXX XXXX XXXX ( CRAs ). 

XXXX made a hard inquiry of my credit and is recorded on my report as of XX/XX/XXXX. 

My XXXX purchase was completed XX/XX/XXXX. 

The first payment was due and made as of XX/XX/XXXX. 

I have made XXXX on-time payments thus far. None of these payments have been reported and are not reflected in my credit report as of XX/XX/XXXX. 

Having the hard inquiry on my report without evidence that the loan was provided is affecting my credit negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 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: MI

Complaint narrative:
I kindly request that you provide me with a written explanation of the results of your investigation and any actions taken to correct the inaccuracies in my credit report. 

I specifically want the detail process in which whom transunion is verifying this information with?? 

Transunion Could Not Possible Verify With The Courts Listed At XXXX XXXX XXXX XXXX As I Contacted The Court Myself ( Written Proof Attached ) TransUnion Also Did Not Verify With XXXX ( Written Proof Attached ) TransUnion Also Did Not Verify With XXXX ( Written Proof Attached ) So Please Provide Written Documentation As To Whom You Are Verifying This Information With?? Furnisher Name & Address? & If You Can NOT Provide Proper Documentation Delete Immediately From My Report & Mail Me A Updated Copy

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 2024-04-08 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: VA

Complaint narrative:
In 2014 while in the hospital recovering from XXXX, my now ex husband answered my cell phone. The person asked him if this was my number, and when he replied yes, they tomd him I would be getting information about a hearing for my student loans ( student loans that had been paid years before ). I sent certified proof of payments to XXXX Texas, Dept of Ed and I requested a phone trial. I never heard anything. However, my wages started being garnished. I contacted the Omsbudman, and nothing happened after I told them numerous times that my loans were paid. I just received information about fresh starting my student loans. I am a XXXX XXXX XXXX life time XXXX. The Department of Education claims that I owe XXXX dollars and never made any payments. I suspect this is because of fraud, poor record keeping, or some other reason. I do not want my wages garnished wrongfully based on these predatory student loan companies false information and reporting to the Department of Education. I have spent the last XXXX  years seeking help to get this wrong corrected. There is no student loan company in the XXXX that would let a person of my age NOT pay a student loan, so why the Department of Education continued to allow this to stand, as if there, were no payments ever made is criminal in my opinion. The Department of Education did not do an adequate investigation. They told me that XXXX payments were in the database and that I signed the fresh start paperwork. I explained to all involved that I only signed the paperwork to get the loan out of default because no action could be taken while the loan was in default. There has been no effort to contact, XXXX, IRS, or the XXXX to see that this loan was paid or even credit me with payments that were made. Now, they have started reporting this loan to the credit bureaus as a new loan due to the consolidation bringing my credit score down. The person assigned by the Department of Ed did an extremely poor job and still has not responded to my issues, yet closed the case.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove 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 explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This letter represents my earnest attempt to address and correct the inaccurate information that has been published in my credit report by your company. The recent denial of credit, which can be attributed to the dissemination of erroneous details, prompts me to formally convey that I did not authorize or provide instructions for the inclusion of these specific transactions in my consumer report. 

I am hereby formally requesting the blocking and deletion of these accounts from my credit report. It is imperative to emphasize that this request is not made in error and is not based on any material misrepresentation regarding the necessity to block these transactions.

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