vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and 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 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: TX

Complaint narrative:
My right to privacy is protected under laws enacted by Congress to safeguard consumers. By permitting unauthorized access to my financial information, you have not only breached federal statutes but have also trampled on my constitutional rights, causing undue harm and distress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA, XXXX XXXX XXXX XX/XX/2025 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX Re : Request to Cease Communication Account Number : XXXX XXXX XXXX # XXXX Dear Sir/Madam, I am writing in response to your recent attempts to contact me regarding the above-referenced account. I am requesting that you immediately cease all further communication with me regarding this debt, as authorized under 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ). 

As per 15 U.S.C. 1692c ( c ), I am exercising my right to demand that you stop contacting me in relation to this debt. I request that you refrain from making any future phone calls, letters, emails, or any other forms of communication regarding this matter. 
Please note that this request does not constitute an acknowledgment of the debt or an agreement to pay. It is a formal request to cease communication under the FDCPA. If you fail to comply with this request, I will consider reporting your actions to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the appropriate state agencies. 

I also ask that you please send me written confirmation that you have received and are complying with this request. 

Thank you for your attention to this matter. 
Sincerely, 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 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, GA, XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX Re : Request to Cease Communication Account Number : XXXX XXXX XXXX # XXXX Dear Sir/Madam, I am writing in response to your recent attempts to contact me regarding the above-referenced account. I am requesting that you immediately cease all further communication with me regarding this debt, as authorized under 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ).

As per 15 U.S.C. 1692c ( c ), I am exercising my right to demand that you stop contacting me in relation to this debt. I request that you refrain from making any future phone calls, letters, emails, or any other forms of communication regarding this matter. 
Please note that this request does not constitute an acknowledgment of the debt or an agreement to pay. It is a formal request to cease communication under the FDCPA. If you fail to comply with this request, I will consider reporting your actions to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the appropriate state agencies. 

I also ask that you please send me written confirmation that you have received and are complying with this request. 

Thank you for your attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 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:
It is unacceptable to have this late payment on my account, given my history of making payments on time. Please remove it and update my account accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: GA

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

I demand the late payment reported to be removed/updated.

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 2025-01-06 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 2025-01-06 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: NY

Complaint narrative:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
The company took a loan out on my behalf in my name for a project that got canceled and never happened the company doesnt return any of my emails anymore after saying it was canceled did not send the loan company mosaic back there money or a cancellation notice its been 6 months and I still have a XXXX loan on 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 2025-01-06 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: MI

Complaint narrative:
I had XXXX back in the summer of XXXX 
XXXX has been outstanding to me. I received a 30 day payment during that time. I was wondering could it be forgiven

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 2025-01-06 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: MI

Complaint narrative:
I had XXXX back in the summer of XXXX 
XXXX has been outstanding to me. I received a 30 day payment during that time. I was wondering could it be forgiven

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: MI

Complaint narrative:
I had XXXX back in the summer of XXXX 
XXXX has been outstanding to me. I received a 30 day payment during that time. I was wondering could it be forgiven

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 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: CO

Complaint narrative:
I am requesting to unfreeze my credit report for my XXXX loan application, which requires access to my credit information for background verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: OK

Complaint narrative:
Company refuses to provide any information or documentation of this account. They are requesting my information-ss #, DOB, and address but when I refuse they hang up. My certified letter came back attempted- not known not willing to give any information without my information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
I am challenging the accuracy of this account as listed on my credit report. The reported balance and charge-off status are incorrect because the account was fully resolved in the past. This inaccurate information is harming my creditworthiness, and I request an immediate investigation. Please update my credit report to remove this error and inform me once the correction is completed. It is essential that my credit report accurately reflects my financial history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: TX

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XX/XX/XXXXDate Opened : XX/XX/year> Balance Owed : {$6700.00} Chargeoff XX/XX/XXXXDate Opened : XX/XX/year> Balance Owed : {$56000.00} Late/Open

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 2025-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: OK

Complaint narrative:
National credit systems has me down owing a debt, they will not provide me with any information are requesting me to give me ss #, DOB, address. Once I decline they hang up. I obtained the address and my certified letter was returned attempted-not known- unable to forward. Have no clue what this is regarding and refuse to give my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 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: HI

Complaint narrative:
Monday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX SSN : XXXX | XXXX : XX/XX/XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX I recently reviewed my credit report and found unauthorized inquiries. 

I have already contacted the creditors below and they not provided me with any proof that I initiated such inquiries, nor me with written authorization or any permissible purpose. Since they do not have any authorization, written nor verbal, I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

As you know, according to Section 604 of the Fair Credit Reporting Act, Permissible Purpose of Consumer Reports 15 U.S. Code 1681b, Subsection ( a ), the below creditors have not demonstrated any permissible purpose and any consumer reporting agency may furnish a consumer report under those circumstances and no other. 

As such, under 15 U.S Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) in general : If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the investigation ; and ( ii ) promptly notify the furnisher of that the information has been modified or deleted from the file of the consumer. 

The following inquiries are unauthorized, and I ask that you DELETE them : Account Name : XXXX XXXX  Date of Inquiry : XXXX. XXXX, XXXX Account Name : XXXX  Date of XXXX : XXXX. XXXX, XXXX, XXXX. XXXX, XXXX Account XXXX : XXXX Date XXXX XXXX : XXXX. XXXX, XXXX Account Name : XXXX Date of XXXX : XXXX. XXXX, XXXX Account XXXX : XXXX  Date of XXXX : XXXX. XXXX, XXXX, XXXX XXXX, XXXX, XXXX. XXXX, XXXX Account XXXX : XXXX Date of XXXX : XXXX. XXXX, XXXX Account Name : XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX, XXXX XXXX, XXXX Account Name : XXXX  Date of Inquiry : XXXX. XXXX, XXXX Account Name : XXXX Date of Inquiry : XX/XX/XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX Account Name : XXXX Date of Inquiry : XXXX. XXXX, XXXX, XXXX XXXX, XXXX Account Name : XXXX XXXX  Date of Inquiry : XXXX XXXX, XXXX Account Name : XXXX XXXX Date of Inquiry : XXXX. XXXX, XXXX Account Name : XXXX Date of Inquiry : 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 2025-01-06 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: NY

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX, NY XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$23000.00} - Late/Open XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$8000.00} Late/Closed

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