vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The credit bureau and the collection companies have willfully violated my rights by not maintaining proper practices to ensure accuracy on my credit report. I sent the companies a 1692G ( b ) letter requesting specific information however they did not provide the information to me and instead they decided to willfully violate the Fair Debt Collection Practices Act. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
I am filing this formal complaint against Equifax for violating my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). 

Recently, I initiated a legitimate dispute with Equifax to remove all previous addresses from my credit report, except for my current address. My aim was to ensure the accuracy of the information on my report, as required by the FCRA. 

However, Equifax responded to my dispute by refusing to provide me with an updated credit report. This refusal not only violates my rights as a consumer, but also prevents me from accessing critical credit information, which is essential for my personal and professional activities. 

Therefore, I request your intervention to : Require Equifax to immediately correct this issue and provide me with a complete and updated credit report. 
Ensure that Equifax fulfills its legal obligations under the FCRA to prevent further harm to my credit status. 
Please be advised that if this matter is not resolved promptly and appropriately, I will be forced to take additional legal action to protect my rights, including possible litigation. 
I appreciate your timely attention to this matter and look forward to a swift and effective resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 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: Consumer Adjustment Company Incorporated
State: NC

Complaint narrative:
I logged into my credit report on XX/XX/2024 and saw the following account : Last reported XX/XX/2024 {$3500.00} - Open balance, CONSUMER ADJ CO - Original creditor, XX/XX/2024 ( XXXX mos ) - Opened, Account status - Open, Type - No Account Type Given, Responsibility - Individual, Remarks - Placed for collection, Original creditor name - CONSUMER ADJ CO. 

I have no knowledge of this account and believe that this may have been identity theft. This account appears to have been opened on XX/XX/2024. I have no knowledge of this account and did not authorize anyone to open an account in my name. Nor did I see or have I seen the open amount. I have never done business with the original creditor. I believe this account to be fraudulent, and would like an explanation. I would also like to see supporting document from the company showing where this information came from. This information includes but is not limited to : XXXX. To whom do you think I owe this debt and what amount do you claim I owe? I will need the name, address and account number for the creditor, in addition to the amount owed. 

XXXX. If this debt started with a different creditor, I will need the name, address and account number for the original creditor, the amount owed and the date when the debt was transferred. 

XXXX. Please provide a valid basis for the debt, such as the original contract between me and original creditor. Tell me the date the debt became delinquent and the date the last payment was made. 

XXXX. Provide me a copy of the last billing statement from the original creditor. If any fees or additional interest charges have been added to that statement, explain how those fees or additional interest charges are permitted, either by the original contract or by law. 

XXXX. If any payments have been made on the account since the last billing from the original creditor, please show an itemized list of those payments with dates and amount paid for each item. 

XXXX. Does your agency have a debt collection license in North Carolina? If so, please provide the name on the license, the license number and the telephone number of the state agency that issued the license. If you do not have a license, please explain why. 

I requested this information so that I can make an informed decision on whether I am responsible for the debt. Please treat this debt as being in dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 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:
Request for Investigation of Identity Theft and Data Breach. I learned that my personal information was compromised during a data breach on XX/XX/year> at XXXX, and XXXX XXXX XXXX XXXX cybersecurity attack infecting nearly XXXX XXXX people personal information as well as social security numbers. I am writing to formally dispute inaccuracies on my credit report due to identity theft and a recent data breach that has affected my personal information. I discovered that unauthorized accounts have been opened in my name, which I believe are a result of this breach. I did not provide written or oral permission/ instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error, nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. 

The identified accounts are not information related to any transaction by me as 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

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 2024-10-24 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:
Request for Investigation of Identity Theft and Data Breach. I learned that my personal information was compromised during a data breach on XX/XX/year> at XXXX, and XXXX XXXX XXXX base, cybersecurity attack infecting nearly XXXX XXXX people personal information as well as social security numbers. I am writing to formally dispute inaccuracies on my credit report due to identity theft and a recent data breach that has affected my personal information. I discovered that unauthorized accounts have been opened in my name, which I believe are a result of this breach. I did not provide written or oral permission/ instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error, nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. 

The identified accounts are not information related to any transaction by me as 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

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 2024-10-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. Furthermore the debt collector didnt follow the proper 5 step validation procedure which makes this unfair practices. According to the FDCPA I am entitled to XXXX dollars per violation and it is obvious they violated my rights

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-24 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 am writing to express my frustration and concern over the incorrect information that has been reported on my credit file. I want to make it abundantly clear that the items listed on the following pages do not pertain to any transactions I have made. It appears that someone, or some entity, has unlawfully used my personal identifying information to obtain goods, services, or money without my authorization, resulting in these erroneous entries on my credit report. I have taken the appropriate steps to address this issue. I filed a formal report with the Federal Trade Commission, which is attached to this letter, and have been in contact with the relevant agencies and creditors, who have been cooperative and guided me to this point. I understand the gravity of my request, and I want to emphasize that this is not being made in error or with any intent to deceive. I declare under penalty of perjury, under the laws of the United States, that the statements made herein are true and correct to the best of my knowledge. I am fully aware that any knowing and willful misrepresentation of material facts is a federal criminal offense, punishable under 18 U.S.C. 1001. Additionally, such misstatements are also punishable as perjury under 18 U.S.C. 1621.

Despite my efforts to file a police report, I was informed by my county that, without specific information on the individual or entity responsible for this identity theft, they would not file the report. This has left me in a difficult position, but I am determined to clear my name and correct my credit file. I appreciate your time and attention to this matter and trust that you will take the necessary actions to rectify these inaccuracies. For security purposes, I have included a copy of my identification on a separate page. 

EVERY ADDRESS BELOW IS TOTALLY 100 % INACCURATE .... 
XXXX XXXX XXXX XXXX XXXX XXXX, LA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX XXXX XXXX XXXX, CT, 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 2024-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2024-10-24 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: GA

Complaint narrative:
There are billing mistakes on my credit report, particularly late payments that don't reflect my usual payment behavior. Please make the necessary corrections and update my account.

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 2024-10-24 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I received an alert from XXXX XXXX XXXX that an inquiry was placed on my credit file. Due to the fact that I have no access to the company that placed an inquiry on my credit report, I contacted XXXX XXXX XXXX on XXXX at approximately XXXX. 
I spoke with an representative XXXX, and informed her that I was calling to dispute an Inquiry from a CitiBank-Best Buy. I let her know that I have not applied for any credit since XX/XX/year>. We started to advise me to contact the company that placed the inquiry and that there wasn't anything she could do. 

I informed her that I did not have any information about CitiBank - Best Buy, that I do not know how they obtained my personal information, and this is why I was contacting them to assist me with disputing the Inquiry. XXXX XXXX goes on the state that the Inquiry would stay on my credit report for 2 years, that I can contact the company, ask them about it and have them to contact XXXX. 

I know that I have Consumer Rights under the 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 2024-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I noticed billing discrepancies on my credit report, specifically late payments that aren't in line with my normal record. Kindly correct these errors and update my account.

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 2024-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I found discrepancies on my credit report, citing 15 USC 16c-2. Unauthorized inquiries are affecting my credit score. Please have them removed. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-24 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: WA

Complaint narrative:
Inaccurate payment received dates entered into MOHELA 's system by members at MOHELA. 

XXXX {$1300.00} Sent to MOHELA on XX/XX/XXXX. Applied by MOHELA on XX/XX/XXXX. 
XXXX {$650.00} Sent to MOHELA on XX/XX/XXXX. Applied by MOHELA on XX/XX/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 2024-10-24 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: MD

Complaint narrative:
There are billing mistakes on my credit report, particularly late payments that don't reflect my usual payment behavior. Please make the necessary corrections and update my account.

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 2024-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

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.

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 explanation
Consumer complaint received 2024-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: KY

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.

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 response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently checked my credit report and found accounts thats either reported in error or not mine. This inaccuracy is affecting my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
I had sought Goldman Sach 's Apple Credit Card member service to dispute a transaction in the amount of {$50.00} on XX/XX/year>. I did not receive purchased digital goods from the merchant and requested advertisded card member service which Apple and Goldman Sach 's did not actually provide. No supporting documents or chargeback case was properly or timely reviewed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I've found some unauthorized inquiries on my credit report under 15 USC 16c-2. These inaccuracies are damaging my credit. I kindly ask for the removal of all hard inquiries. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
There are fraudulent accounts on my credit report added without my consent. Please block and remove them.

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 2024-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am writing and sending this complaint with absolute certainty and extreme frustration, there are a lot of errors on my credit report that I just can not ignore anymore as this has been negatively impacting my life and credit score making me unable to achieve financial freedom and stability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-24 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Law Office of Michael J. Scott, PC
State: VA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding what I believe to be an unlawful garnishment of my wages by Scott and Associates, based in XXXX XXXX XXXX, on behalf of XXXX XXXX XXXX XXXX XXXX. 

From XX/XX/XXXX, to XX/XX/XXXX, Scott and Associates garnished my wages in relation to a debt owed to XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX, they submitted a release of debt order to XXXX XXXX District Court, effectively releasing the garnishment. 

However, on XX/XX/XXXX, Scott and Associates submitted another order to the court, attempting to garnish my wages again for the same debt that was already released in XXXX. I find this action to be unlawful and in direct contradiction to the release of the garnishment previously filed with the court. 

I am requesting your assistance in investigating this matter and ensuring that no further unauthorized garnishments occur for a debt that has already been released. 

Thank you for your time and attention to this issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation