vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Hey, XXXX  name is " XXXX XXXX XXXX '', I have noticed that I have had XXXX XXXX, and XXXX  XXXX  on XXXX XXXX report that does not belong to me. It has impacted XXXX  deeply and has hurtled XXXX. The consumer report agencies have validated the consumer laws that was passed by XXXX. XXXX XXXX XXXX XXXX. Meaning that they never received my consent on a hardcopy. Giving them permission to furnish on my consumer report. XXXX XXXX XXXX XXXX XXXX " blockage of information ''. This consumer law gives XXXX  the authority to tell the information that I wish to be requested to be deleted on XXXX XXXX report. And it must happen within XXXX business days. Due to XXXX  filing my XXXX Report. This law states that if XXXX  file a police report through the XXXX, it must be removed.

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 2024-01-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TD BANK US HOLDING COMPANY
State: OK

Complaint narrative:
This debt is being reported to XXXX, XXXX, & XXXX by Target credit. The debt is being reported as charged off, date and time unknown. This debt should have been discharged with bankruptcy. I think this debt may have paid with a collection company a few years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I demand that these requests be removed as soon as possible and that my credit score be modified appropriately, as I did not permit these companies to get my credit report. I also want a copy of my updated credit reportwhich shows these changessent to me as soon as possible. 
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 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 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
In accordance with the Fair Credit reporting Act this creditor has violated my rights under 15 USC1681 section 6 o 2 states that I have the right to privacy ( 15 USC 1681 ) section 604 a section 2 ( it also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose. Yet my XXXXXX/XX/XXXXand my XXXX XXXX account reports as late on Equifax multiple times.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
This constitutes my second attempt to attend to a matter and function as a follow-up to my initial complaint dated XX/XX/2023. It is crucial to reiterate that, as per FCRA section 605b, Credit Reporting Agencies are compelled to eradicate any entries specified in an identity theft report, particularly identified as XXXX XXXXXXXX. In accordance with Section 605B ( a ), the CREDIT REPORTING AGENCIES are obligated to eradicate any entries in the consumer 's file identified as information resulting from an alleged identity theft within XXXX business days from the date of receipt. Enclosed herewith are the pertinent documents substantiating the necessity for the removal of inaccurate information currently manifested in my credit reports. The following accounts have been expressly identified for removal : -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX XXXX XXXX  -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX  Balance XXXX XXXXXXXX XXXX XXXX ( Original creditor XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX XXXX XXXX XXXX ( Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX  -- -- -- -- -- TRANSUNION : XXXX XXXX XXXX ( Original creditor XXXX XXXX XXXX XXXX ) XXXX Balance XXXX XXXX XXXX XXXX XXXXriginal creditor XXXX CREDIT XXXX XXXX  XXXX A ) XXXX Balance XXXXXXXX XXXX XXXXXXXX ( Original creditor XXXX XXXX XXXX BANK XXXX XXXX XXXX ) XXXX Balance XXXX XXXX  XXXX ( Original creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance XXXXXXXX XXXX  XXXX Balance 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 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
This constitutes my second attempt to attend to a matter and function as a follow-up to my initial complaint dated XX/XX/2023. It is crucial to reiterate that, as per FCRA section 605b, Credit Reporting Agencies are compelled to eradicate any entries specified in an identity theft report, particularly identified as XXXX XXXXXXXX. In accordance with Section 605B ( a ), the CREDIT REPORTING AGENCIES are obligated to eradicate any entries in the consumer 's file identified as information resulting from an alleged identity theft within four business days from the date of receipt. Enclosed herewith are the pertinent documents substantiating the necessity for the removal of inaccurate information currently manifested in my credit reports. The following accounts have been expressly identified for removal : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- -- -- -- -- EQUIFAX 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 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 2024-01-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX was paid in pull to XXXX. This should not have been sold.

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 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within XXXX days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: OK

Complaint narrative:
XXXX XXXX  credit card was discharged in bankruptcy, debt was also written off/charged off. Debt is still being reported on XXXX and XXXX. This same debt is being reported by Portfolio Recovery Associates to XXXX and XXXX. I have not ever signed any contracts or any other dealing with Portfolio Recovery Associates, and they are still reporting negative information to XXXX and XXXX on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I regret to inform you that I can not accept your decision to dismiss my identity theft claim by attributing it to an error or a misrepresentation of material fact. It raises serious concerns as to how and why you possess the authority to determine what constitutes a material fact. It's worth noting that your role does not grant you the powers of a judge or jury, nor any inherent right to make such determinations. I was the victim & Im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests According to the guidelines set forth by the Federal Trade Commission ( FTC ), when an FTC identity theft report has been filed with a law enforcement agency ( which the FTC itself is ), the protocol is to adhere to the law and investigate accordingly. 

XXXX XXXX XXXX XXXX XXXX FRAUD, PLEASE DELETE!!!! 
XXXX XXXX XXXX FRAUD, PLEASE DELETE!!!! 

I am willing to grant you one final opportunity to process my request concerning my identity theft. Failure to do so will compel me to seek legal recourse through the judicial system. In such a scenario, you will be held accountable for the damage caused to my reputation, credit, and the emotional distress I have endured throughout this ordeal. It is highly likely that what constitutes a material fact will become abundantly clear during legal proceedings, and you may be required to compensate me for your negligence.

Please manage your responsibilities accordingly.

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 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am writing to your company to bring to your attention a matter concerning my EQUIFAX consumer report from XX/XX/2023 and I believe that equitable remedies are necessary to rectify the situation. 

I have identified several instances where you are willfully, inaccurately, and unlawfully reporting that the following accounts are negative without furnishing any proof of verification of these alleged debts nor that you followed all laws and regulations under the FCRA to report them therefore you must REMOVE all negative accounts and adverse remarks as they are causing unjust harm. 

I am asserting my rights under exclusive equity and am seeking equitable remedies to address the harm caused by your company. Please be aware that all negative accounts and remarks found on my credit report are violations of the FCRA therefore in addition to having said accounts removed, I have also attached an invoice for statutory damages for each violation. 

Without Prejudice, All Natural Inalienable Rights Reserved

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
A XXXX  ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
A month ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following accounts 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 explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwest Loan Services, Inc.
State: CA

Complaint narrative:
I hope this letter finds you well. I am writing to bring to your attention a matter concerning my MIDWEST LOAN SERVICES account. I recently reviewed my credit report and observed that there may be discrepancies in the reporting of my account status. 

MIDWEST LOAN SERVICES XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or MIDWEST LOAN SERVICES customer service representative. 

I would like to provide clarification regarding the status of my account during a specific period. Due to unforeseen financial challenges, I entered into a forbearance agreement with MIDWEST LOAN SERVICES to temporarily suspend payments on my account. I am pleased to inform you that MIDWEST LOAN SERVICES and I reached a mutual agreement during this forbearance period, wherein it was agreed that there would be no negative reporting to credit bureaus. 

I kindly request that you update my credit report to accurately reflect the agreed-upon terms during the forbearance period. There should be no indication of negative activity or any reporting that could adversely affect my credit score for that specific timeframe.

Enclosed with this letter, please find documentation from MIDWEST LOAN SERVICES confirming the forbearance agreement and the commitment not to report any negativity during this period.

I understand the importance of maintaining an accurate credit report, and I appreciate your prompt attention to this matter. Your cooperation in updating my credit report will ensure that my credit history accurately represents the terms agreed upon during the forbearance period. 

I kindly request that you notify me in writing once the necessary corrections have been made to my credit report. 

Thank you for your understanding and assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 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 2024-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MOHELA
State: CA

Complaint narrative:
I trust this letter finds you well. I am writing to bring to your attention a recent resolution regarding an internal issue with my bank, MOHELA/DEPT OF ED that has affected the reporting of my account status on my credit report. I kindly request your assistance in updating this information to accurately reflect the true status of my account. 

MOHELA/DEPT OF ED XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or MOHELA/DEPT OF ED customer service representative XXXX 

Upon careful review of my credit report, I noticed discrepancies in the reporting of my account status. I would like to provide clarification on this matter. Due to an internal issue within MOHELA/DEPT OF ED, my account status was inaccurately reported, suggesting that it was not open or that payments were late. 

After addressing this matter with MOHELA/DEPT OF ED, I am pleased to report that they have acknowledged the internal issue and have agreed to update my account status to reflect that it has always been open and never late. I kindly request that you update my credit report accordingly to accurately reflect the positive standing of my account. 

Enclosed with this letter, you will find supporting documentation from MOHELA/DEPT OF ED, confirming their acknowledgment of the internal issue and their commitment to rectifying the reporting inaccuracies. 

I understand the importance of maintaining an accurate credit report, and I appreciate your prompt attention to this matter. Your cooperation in updating my credit report will ensure that my credit history is a true representation of my financial responsibility. 

I kindly request that you notify me in writing once the necessary corrections have been made to my credit report. If you require any additional information, please do not hesitate to contact me. 

Thank you for your understanding and assistance in resolving this matter.

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