vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-26 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: PA

Complaint narrative:
I reviewed my Consumer Reports and noticed I have incorrect items on my Consumer report that I was not aware of. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments and also I have no knowledge of these Fraudulent accounts and Fraudulent inquiries Please investigate and provide Proof with statements showing that these payments were late and that these Fraudulent accounts and Fraudulent inquiries are mine.

If proof can't be provided I demand these payment accounts and inquiries be updated too on time as they should be as I was NEVER Late and the Fraudulent account and Fraudulent inquiries I am a victim of the data breach and would like all accounts mentioned to be blocked and deleted pursuant to 15 USC 1681c-2 ( a ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collections Acquisition Company, Inc.
State: FL

Complaint narrative:
A collection company reported to credit report an account from XXXX obtained illegally because I have ever use neither that site, signed in or applied for any of the services they provide. I googled the vendor or holder of this account XXXX  customer service at XXXX XXXX XXXX since we dont have idea where that collection is at the first place in my credit report and I found that the address, phone number and email are fake and dont belongs to me. I ever been a XXXX  XXXX XXXX XXXX I am myself a XXXX. I made the complaint to them because I havent been able to contact the collection company because their phone on my credit report shows inactive at the same time searching the internet I found that the collector company CYBRCOLLECT is committing illegal practices with consumers and is even inactive enclosed please find screenshot of what i found.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 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: GA

Complaint narrative:
There is information thats on my consumer report that appears on my EXPERIAN consumer reports that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be on my consumer report. I am requesting that the reporting of this information to 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 material misrepresentation of fact by me relevant to the request to block identified transactions. The identified transactions are not information related to any transaction made by me as the consumer. PLEASE REMOVE AND DELETE THE FOLLOWING INFORMATION BELOW FROM MY CONUSUMER REPORTS XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX-Date opened- XX/XX/year>. I Demand for this account to be REMOVED/ DELETED from my credit reports. I have also filed a FTC REPORT. See ATTACHMENT

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 2024-11-26 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: GA

Complaint narrative:
There is information thats on my consumer report that appears on my EXPERIAN consumer reports that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be on my consumer report. I am requesting that the reporting of this information to 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 material misrepresentation of fact by me relevant to the request to block identified transactions. The identified transactions are not information related to any transaction made by me as the consumer. PLEASE REMOVE AND DELETE THE FOLLOWING INFORMATION BELOW FROM MY CONUSUMER REPORTS XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXDate opened- XX/XX/year>. I Demand for this account to be REMOVED/ DELETED from my credit reports. I have also filed a FTC REPORT. See ATTACHMENT

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 2024-11-26 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: LA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I identified fake accounts in my credit file and request they be erased 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 explanation
Consumer complaint received 2024-11-26 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: PA

Complaint narrative:
Ive had issues with paying my XXXX XXXX in the past using their app and web portal. It frequently crashes as it moves between the app and a website for payments and then freezes. Additionally, the XXXX XXXX statements were going to my spam inbox ( XXXX  ) and I did not realize that. I thought I had made payments monthly when Im paid on the 1st, but one apparently didnt go through most likely due to issues with their website. I also never received any sort of overdue payment notice until it had crossed 30 days. I discovered this when logging in to pay the nexts months balance and promptly made the payment. I have a long credit history ( 20 years ) including the XXXX card and have never missed a payment. This single late payment, which I made a good faith effort to pay and was never made aware it was overdue, is negatively impacting my credit. Ive requested that XXXX stop reporting this payment as late over 30 days, but received a generic response that the information is correct which is not accurate based on the information provided above. It is true that the payment did not process, but that was not my fault. There is absolutely no reason I wouldnt pay a {$30.00} bill by the due date as indicated by my credit history in general and to XXXX. XXXX has refused to do anything is not representing what actually happened to the credit agencies and the agencies are taking XXXX  word for things without proper investigations.

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 2024-11-26 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: PA

Complaint narrative:
Ive had issues with paying my XXXX XXXX in the past using their app and web portal. It frequently crashes as it moves between the app and a website for payments and then freezes. Additionally, the XXXX XXXX statements were going to my spam inbox ( XXXX  ) and I did not realize that. I thought I had made payments monthly when Im paid on the 1st, but one apparently didnt go through most likely due to issues with their website. I also never received any sort of overdue payment notice until it had crossed 30 days. I discovered this when logging in to pay the nexts months balance and promptly made the payment. I have a long credit history ( 20 years ) including the XXXX card and have never missed a payment. This single late payment, which I made a good faith effort to pay and was never made aware it was overdue, is negatively impacting my credit. Ive requested that XXXX stop reporting this payment as late over 30 days, but received a generic response that the information is correct which is not accurate based on the information provided above. It is true that the payment did not process, but that was not my fault. There is absolutely no reason I wouldnt pay a {$30.00} bill by the due date as indicated by my credit history in general and to XXXX. XXXX has refused to do anything is not representing what actually happened to the credit agencies and the agencies are taking targets word for things without proper investigations.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 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 am a victim of XXXX XXXX and impacted by data breaches. The information below which is on my credit report is a result of XXXX XXXX and my personal information being exposed in data breaches.

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 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX Last XXXX SSN : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX Date Of Birth : XXXX To whom it may concern : I was just looking over my credit report and found some addresses that appear to be incorrect. I've enclosed documentation providing proof of my current address, as instructed to do on your website. To make your process of deletion easier, here is a list of the incorrect addresses that I am currently seeing listed ( which I would like removed please ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Remove this address from my credit report XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : Remove this address from my credit report There should only be XXXX address listed on my report, which is XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also noticed that my name appears to be misspelled on my credit report. My name only has XXXX correct spelling, and there should be no variations listed because my name has no variations. My photo ID is enclosed to show the correct spelling. Once again, in order to make the process of deletion easier, here are the incorrect spellings I see listed : ( Incorrect Names ) XXXX. XXXX XXXX XXXX : remove this name from my credit report XXXX. XXXX XXXX : remove this name from my credit report XXXX. XXXX XXXX : remove this name from my credit report XXXX. XXXX XXXX : remove this name from my credit report XXXX. XXXX XXXX XXXX : remove this name from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: VA

Complaint narrative:
I believe XXXX began charging me for my XXXX loans while I was in XXXX school before I graduated in XXXX. I also am sure that they were accruing interest the entire time I was in school, as you can see from them charging me late fees and monthly expenses before XXXX. They never told me about alternative student loan payment plans, even though I was paying while working part-time in school, because I believed I had to. I believe they lost me thousands of dollars in the early days of my student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My report includes unauthorized entries. Remove these fraudulent accounts promptly.

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 2024-11-26 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: AZ

Complaint narrative:
I had XXXX XXXX XXXX XXXX cards. 
I had received an offer to pay off the cards in exchange for having the late/derogetory remarks removed from my credit report. I agreed to pay both cards, yet they still keep reporting negatively on my credit.

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 2024-11-26 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: AZ

Complaint narrative:
I had XXXX XXXX XXXX XXXX cards. 
I had received an offer to pay off the cards in exchange for having the late/derogetory remarks removed from my credit report. I agreed to pay both cards, yet they still keep reporting negatively on my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I had XXXX XXXX XXXX XXXX cards. 
I had received an offer to pay off the cards in exchange for having the late/derogetory remarks removed from my credit report. I agreed to pay both cards, yet they still keep reporting negatively on my credit.

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 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
On XX/XX/year> I submitted a complaint through the CFPB after getting no results by mail with the Bureaus. My initial complaint stated On XXXX XXXX I received a letter from my XXXX XXXX XXXX " XXXX '' who provides services for my XXXX insurance company XXXX XXXX. They informed me that my records have been accessed with all of personal information by an unknown person. When I called and spoke with a rep she informed me that they were caught on XXXX XXXX but they could have had access up to 30 days prior. These were the accounts listed XXXX XXXX XXXX XXXX XXXX XXXX. After i sent the complaint the items were removed on XXXX XXXX. XXXX days later on XXXX the XXXX the XXXX account appeared saying that i opened a new account along with XXXX other accounts XXXX XXXX XXXX XXXX XXXX XXXX that werent on my credit report prior too. I have now filed a FTC Identity Theft repot, My case number is # XXXX. Below are my attached documents. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementined accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: NY

Complaint narrative:
The inaccurate reporting by XXXX and the XXXX companies XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX a clear violation of the Fair Credit Reporting Act ( FCRA ) and amounts to fraudulent activity. These companies have allowed inaccurate, unverifiable, and incomplete information to be reported, which negatively impacts my XXXX XXXX and violates the legal obligation to ensure maximum possible accuracy under 15 U.S.C. 1681e ( b ). This failure to report accurate information creates not only a breach of consumer rights but also fraudulent misrepresentation, as the data reported is not reflective of the true and lawful financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 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: IL

Complaint narrative:
My company XXXX submitted disputes to XXXX, XXXX and Trans Union on the XXXX of XXXX. Almost immediately XXXX sent me an email indicating that the dispute was already resolved with the company. There is no way a company could verify that number if disputes in XXXX day. This is fraudulent.

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 2024-11-26 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: IL

Complaint narrative:
My company XXXX submitted disputes to XXXX, Equifax and XXXX XXXX on the XXXX of XXXX. Almost immediately XXXX sent me an email indicating that the dispute was already resolved with the company. There is no way a company could verify that number if disputes in XXXX day. This is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 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: Capital Accounts, LLC
State: TX

Complaint narrative:
I am writing to dispute the alleged debt reported by Capital XXXX XXXX XXXX XXXX, on my credit report with account number ending in [ XXXX ]. I challenge the ownership and validity of this debt, as it has been erroneously reported as a " charge-off '' without proper verification or validation. 

Background : Ownership Dispute : The account in question does not belong to me. I have never entered into any agreement with Capital XXXX for this account, nor have I received any documentation to substantiate the legitimacy of this debt. 

Inaccurate Reporting : Despite my previous disputes, Capital XXXX continues to report this alleged debt as accurate on my credit file. This reporting violates the Fair Credit Reporting Act ( FCRA ), which mandates that creditors only report verified and accurate information. 

Failure to Validate Debt : Under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ), Capital XXXX is required to provide documentation to validate the debt upon request. To date, no such validation has been provided. 

XXXX XXXX XXXX : The account is reported as a " charge-off, '' which indicates the debt was written off as a loss. However, a charge-off does not absolve the obligation to validate the debt or accurately represent its ownership. 

Concerns : Misrepresentation of XXXX : Reporting a debt without proper ownership validation not only violates federal law but also causes unwarranted harm to my credit and financial standing.

Company response to consumer: Untimely response