vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-05 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: AZ

Complaint narrative:
I've complained about being a victim of identity theft. You must remove any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-10-05 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: AZ

Complaint narrative:
I've complained about being a victim of identity theft. You must remove any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-05 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:
As per guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and the letter from an advocacy group helping me due to Debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) -5 -- 1002. 142 ( b ) ( 7 ). Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX victim and would like all listed accounts to be blocked and deleted company information Transunion. Please delete the following accountsXXXX XXXX bal. {$460.00}.

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 2024-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report. 
XXXX XXXX XXXX BALANCED {$16000.00} XXXX XXXX  XXXX BALANCED {$18000.00} XXXX XXXX  XXXX BALANCED {$10000.00} XXXX XXXX  XXXX BALANCED {$13000.00}

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 2024-10-05 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: TX

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and TransUnion credit bureaus to validate this account ( A ). It is not permissible to fail to validate these reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Balance : {$21000.00}

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 2024-10-05 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: TX

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate these reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Balance : {$21000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
DO NOT CALL, EMAIL, TEXT ME EVER! 
READ MY COMPLAINT YOU ARE IN VIOLATIONS OF SEVERAL LAWS, RULES, AND REGULATIONS. 
NEXT STEPS WILL BE TO ESCALATED TO THE OCC, FDIC, FBI, DEPT OF TREASURY AND JUSTICE TO START. 

I AM THE ONLY XXXX XXXX AND THIS BANK HAS OUTDATE INFORMATION AND HAVE BEEN TOLD SEVERAL TIMES. 

XXXX VETERAN, NATIONAL ORIGIN, SEX, AGE, RELIGION TO NAME A FEW OF THE PROTECTED CLASSES I AM A MEMBER OF. 
ADA, XXXX XXXX, FAIR HOUSING ARE A FEW OF THE MANY LAWS IN VIOLATOIN. 

A VETERAN CAN'T FOCUS ON HER HEALTH AS COMPANIES SUCH OF THESE HAVE POOR SECURITY TECHNOLOGY AND PEOPLE. 

IT IS APPARENT THAT NO ONE IS COMPLETING AND UNDERSTANDING THE REQUIRED TRAINING. IT IS ALSO CLEAR THAT TRAINING ISN'T ENOUGHT BECAUSE NO ONE IS RETAINING THE IMPORTANT LAWS WHILE THEY CONSTANTLY VIOLATE THEM AND ARE STILL IN VIOLATION. 

ALL THE INFORMATION THEY HAVE IS OUTDATED. I HAVE MOVED OVER XXXX TIMES STILL LIVING IN HOTELS DUE TO COMPANIES LIKE THIS THAT DO NOT ADHERE TO THE RULES IN PLACE. 
TRUTH HURTS BY TRUTH XXXX XXXX CONSULTANT. FORMER AUDITOR FOR BANK XXXX XXXX HIGH RISK ONLY AND XXXX 3RD PARTIES. I AM VERY FAMILIAR WITH LRR.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Reported to Experian and discover that this account is fraudulent provided proper paperwork over the last several years. Experian have been taking less than a day to deny my request

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 2024-10-05 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: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-10-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: Chrysalis Holdings LLC
State: FL

Complaint narrative:
On my preliminary papers it's say Mt rate could go up.to 6.90 % with Discount points approval 2.00 % this is a VA loan for XXXX  years loan amount XXXX $ MY Rate lock is XX/XX/year> at that time VA interest rate was 6.187 % on XXXX of XX/XX/year> on my papers thay put XXXX fixed rate I called told XXXX XXXX XXXX he was.my loan officer he said because I didn't put.any money down that's the reason I had a high interest rate. He also added closings cost to My. Loan of XXXX $ my total loan was XXXX $ it was only XXXX $ .He said.because.i didn't have any money down again.I had a XXXX  day rate lock that's started on XX/XX/year> and VA XXXX yr rate XXXX not XXXX is thus because I didn't have any money down I think im.being am a XXXX War veteran with XXXX other thing I know I'm trusting but something seems wrong XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. 
XXXX  XXXX BALANCED {$5100.00} XXXX  XXXX BALANCED {$2400.00} XXXX XXXX BALANCED {$0.00} XXXX  XXXX XXXX BALANCED {$0.00} XXXX  XXXX BALANCED {$170.00} FST XXXX  XXXX BALANCED {$770.00} XXXX  XXXX XXXX BALANCED {$2000.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX BALANCED {$170.00} XXXX XXXX  XXXX BALANCED {$57000.00} XXXX XXXX BALANCED {$170.00} XXXX XXXX XXXX BALANCED {$180.00} XXXX  XXXX  XXXX BALANCED {$1000.00} XXXX XXXX XXXX XXXX BALANCED {$0.00} DEPT OF ED XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: SOFI TECHNOLOGIES, INC.
State: OR

Complaint narrative:
This Company ( SoFi Bank N.A., or SoFi Lending Corp ) offers a High-yield savings account with a promotional APY of 4.5 % ( XXXX ) contingent on the account holder using monthly ACH Direct Deposit, with no minimum quantity in each deposit. Otherwise the APY defaults to 1.2 %.

I held this type of savings account with SoFi from XXXX of XXXX, through XXXX of XXXX, and met all direct-deposit qualifications in that time. I received the correct interest on this account balance until XXXX of XXXX. At this time, my employer changed payroll companies, and resumed the biweekly direct deposit into this account with no change or delay. SoFi recognized this ACH Direct deposit as a generic deposit from XX/XX/XXXX until XX/XX/XXXX, when I contacted them to understand why my interest payments were lower than expected. They immediately acknowledged that this was an internal error on reading the deposit type incorrectly, and changed the account back to 4.5 % APY. 

However, they would not retroactively pay the interest they had failed to distribute for the months of XXXX XXXX ( 30 day grace period from " not meeting required direct-deposit '' starting in XXXX ) The amount of interest not paid in that time is approximately $ XXXX USD

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I REQUESTED FOR DEBT VALIDATION OF CLAIM ACCORDING TO 15 U.S.C 1692G. 
I DONT KNOW THIS COMPANY AND I DONT OWE THEM.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-05 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: OH

Complaint narrative:
XXXX XXXX XX/XX/year> My information may have been impacted by the Equifax, XXXX and XXXX XXXX XXXX and may have got into the hands of the wrong person FCRA Section 604 Permissible Purposes of Consumer Reports This section of the FCRA specifies when a credit bureau can legally furnish your credit report to a third party. Some permissible purposes for making a credit inquiry include : Credit Transactions : When a lender or creditor is evaluating you for credit, loans, or financing. 
Employment Purposes : If an employer is performing a background check with your written consent. 
Insurance Underwriting : When an insurance company is considering you for coverage. 
Government Licensing or Benefits : When the government needs to check eligibility for licenses or benefits. 
Court Orders : In response to a valid court order or subpoena. 
Debt Collections : When a company needs to collect on a debt owed by the consumer.

For an inquiry to be authorized, it must meet one of these permissible purposes. If it does not, it is considered an unauthorized inquiry, and you have the right to dispute it.

I have no capital one accounts Ill leave photos below

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. 
XXXX  XXXX BALANCED {$5100.00} XXXX  XXXX BALANCED {$2400.00} XXXX  XXXX BALANCED {$0.00} XXXX  XXXX XXXX BALANCED {$0.00} XXXX  XXXX BALANCED {$170.00} XXXX  XXXX  XXXX BALANCED {$770.00} XXXX  XXXX XXXX BALANCED {$2000.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX BALANCED {$170.00} XXXX XXXX  XXXX BALANCED {$57000.00} XXXX XXXX BALANCED {$170.00} XXXX XXXX XXXX BALANCED {$180.00} XXXX XXXX XXXX BALANCED {$1000.00} XXXX XXXX XXXX XXXX BALANCED {$0.00} DEPT OF ED XX/XX/year>

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 2024-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. 
XXXX  XXXX BALANCED {$5100.00} XXXX  XXXX BALANCED {$2400.00} XXXX  XXXX BALANCED {$0.00} XXXX  XXXX XXXX BALANCED {$0.00} XXXX  XXXX BALANCED {$170.00} XXXX XXXX XXXX BALANCED {$770.00} XXXX  XXXX XXXX BALANCED {$2000.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX BALANCED {$170.00} XXXX XXXX  XXXX BALANCED {$57000.00} XXXX XXXX BALANCED {$170.00} XXXX XXXX XXXX BALANCED {$180.00} XXXX XXXX XXXX BALANCED {$1000.00} XXXX XXXX XXXX XXXX BALANCED {$0.00} DEPT OF ED XX/XX/year>

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 2024-10-05 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Concord Servicing Corporation
State: GA

Complaint narrative:
I closed without a XXXX XXXX WAS TRANSFERRED TO CONCORD SERVICING CORP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX. 

COPIES OF ASSIGNMENT SALE, TRANSFER WAS INCLUDED IN INITIAL COMPLAINT SUBMITTED XX/XX/XXXX. EMAIL WAS ALSO SUBMITTED TO THEIR CONSUMER SERVICING DEPT. DENIALS AND LIES ARE NOT AN EXCUSE FOR AN INCOMPLETE CLOSING PACKAGE AND PREDATORY LENDING. 
CONCORD LIED IN RESPONSE TO PREVENT CANCELATION REFUND. 
REFUND IS STILL DUE WITHIN XXXX OF INITIAL COMPLAINT. 
No TN DISCLOSURES DUE TO DUAL RESIDENCY, IDENTIFYING RESIDENT. 

Didn't view subject property, UNABLE TO ACCESS ACCOUNT UNTIL XXXX. 

PREVIOUSLY ADDITIONAL DOCUMENTS SENT. COMPLAINT CLOSED ERRONEOUSLY DUE TO CONCORD LYING. XXXX XXXX XXXX XXXX  AGENT IS CONCORDand XXXX XXXX. 
SUPREME COURT RULING NEEDS TO BE ENFORCED. XXXX CANCELATION ACCORDING TO TILACT. 

Recorded call confirming CONCORD SERVICING CORP XX/XX/XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Thaxton Investment Corporation
State: WI

Complaint narrative:
Reporting to the credit Bureau without my permission, I do not know this company

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-05 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: CA

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> : XXXX XX/XX/year> : XXXX XX/XX/year> : XXXX XXXX XXXX XX/XX/year> :

Company response to consumer: Closed with explanation