vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The credit bureaus Equifax XXXX and XXXX are reporting items on my credit report due to identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-01 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:
The credit bureaus XXXX Experian and XXXX are reporting items on my credit report due to identity theft

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 2023-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I XXXX XXXX currently have fraudulent accounts and inquiries appearing on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-01 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:
I XXXX XXXX currently have fraudulent accounts and inquiries appearing 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 non-monetary relief
Consumer complaint received 2023-11-01 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: NJ

Complaint narrative:
in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2 Account name : XXXX  XXXX XXXX XXXX # XXXX Account name : XXXX XXXX  XXXX XXXX # XXXX Account name : XXXX XXXX XXXX, # XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX5 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 non-monetary relief
Consumer complaint received 2023-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2 Account name : XXXX  XXXX XXXX XXXX # XXXX Account name : XXXX BANK XXXX XXXX # XXXX Account name : XXXX XXXX XXXX, # XXXX Account name : XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 se

ction 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 non-monetary relief
Consumer complaint received 2023-11-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
XX/XX/2023 I sent a certified letter to Resurgent/LVNV Funding with a delivery date of XX/XX/2023 exercising my right of FDCPA 1006.30a of placing an alleged debt ( 3 accounts ) on on my consumer report without my written permission ( 15USC 1681b2 ). The information was inaccurate and in violation. I requested the deletion of the accounts from my report. On XX/XX/XXXX I received a letter in regards to only one account alleging another company is the servicer of the account : also on the same day I received 5 pages of paperwork that included an account summary from Resurgent. I submitted another letter asking for validation of debt not verification. I received the same paperwork as before but it still did not complete my request. Then I was sent a letter from XXXX XXXX who then alleges that they are now attempting to collect the debt. This was the first time I every received something from XXXX XXXX. I received the letter from them after I submitted two letters to Resurgent/LVNV Funding. On XX/XX/2023 I sent another certified letter to Resurgent/LVNV Funding for violation of XXXX XXXX and XXXX XXXX XXXX. On XX/XX/XXXX I received six letters dated XX/XX/XXXX and XX/XX/XXXX stating that other companies are serving the account and some paperwork alleging debt verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
To whom it may concern : On Tuesday XXXX XXXX I received an alert from my credit monitoring service stating that I had a decease on my credit score. When I further investagaed the situation. I seen that I had an inquire from a company that I never heard of called CoreLogic " Credo ''. I researched the company and called the phone that was provided. I spoke to a representative, whom stated that they pull credit upon request from clients they service. She also stated that if I provided her with personal information. She can tell me which client that they had ho request to have my credit ran. Upon the rep checking she asked me do I know Penny Mac. I then in return let her know that penny Mac was my mortgage company, that I currently pay a monthly mortgage to. On XX/XX/2023 I also phone Penny Mac asking why did they pull my credit. I was then asked when was the last time I contacted Penny Mac. I stated that I had not contacted Penny Mac since XXXX of XX/XX/2023. I was told that transaction was done, but I had no knowledge nor did I give Penny Mac my consent. Penny MAC told that someone from their company would be investigate and I will email and follow up with a phone call. I didn't receive a call or either an email. I phoned them on Tuesday XX/XX/2023 and I was told that the investigation was open on XX/XX/XXXX and to give Penny Mac five business to complete the investigation. I was also assure that once the investigation completed that they would reach out to credit bureaus and XXXX on my behalf to correct this issue. Today is XX/XX/XXXX and I reached back out to Penny Mac. I was told that would have to investigate, which I told started on XX/XX/2023. I also requested to speak to a manager, which in return I was talked over, and giving information again about a ticket/ investagating will be done. At this point I have no where to turn and seeking help from you guys at CFPB. PLEASE HELP ME!!!!!!!!!!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-01 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: IL

Complaint narrative:
Reference Number : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX for your prompt response to my concerns. I appreciate your willingness to address the matter and your request for additional information. In my complaint I have provided all necessary and lawful information required to dispute this account. Given the nature of data furnishing, it is your fiduciary responsibility to ensure the completeness and accuracy of the reported information. This obligation is also in accordance with the Fair Credit Reporting Act. Considering the inability to verify the information in question per your response stating I am unable to confirm your information at this time, it would be in violation of the law to continue reporting this data. The Fair Credit Reporting Act specifically addresses the verification and reporting of data, and in light of your acknowledgment of this issue, I urge you to promptly remove this information from all credit reporting agencies, including credit bureaus and any data reporters. '' As previously stated, the Fair Credit Reporting Act ( FCRA ) clearly outlines the necessity for accuracy and fairness in credit reporting. It is imperative that the information provided to the credit reporting agencies complies as indicated in 15 USC 1681b ( a ) ( 2 ). 



The accounts mentioned in my previous correspondence, specifically the XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX, were included on my credit report without my written authorization, and per your admission, is unable to be validated constituting a violation of the FCRA. Given this information, I urge you to take immediate action to rectify this error and remove these inaccuracies from all credit reporting agencies and bureaus. 



I trust that your office will handle this matter with the necessary diligence and compliance with the laws outlined in the Fair Credit Reporting Act. Please provide me with written confirmation once the necessary steps have been taken to rectify this situation. 



I look forward to your prompt resolution of this matter. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXX  XXXX Account # XXXX have violated my rights. 

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 an account without my written instructions.

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. 

Inaccuracies for XXXX XXXX XXXX Account # XXXX listed below. 
Date of last activity : Transunion reports XXXX XXXX, XXXX. XXXX reports XXXX XXXX, XXXX. XXXX reports XXXX XXXX, XXXX XXXX XX/XX/XXXX Days Late : Transunion reports XXXX. XXXX reports XX/XX/XXXX. XXXX reports XXXX Payment History : Transunion reports XXXX history available. XXXX reports XXXX made 65 % of payments for this account on time. XXXX reports XXXX made 80 % of payments for this account on time. 

Inaccuracies for XXXXXXXX XXXX XXXXXXXX XXXX Account # XXXX listed below. 
Date of last activity : Transunion reports XXXX XXXX, XXXX. XXXX reports XXXX XXXX, XXXX. XXXX reports XXXX XXXX, XXXX XXXX XX/XX/XXXX Days Late : Transunion reports XXXX. XXXX reports XXXX. XXXX reports XXXX Payment History : Transunion reports No history available. XXXX reports Youve made 17 % of payments for this account on time. XXXX reports Youve made 21 % of payments for this account on time. 

These inaccuracies are preventing me from getting a student loan to further my education, and from buying or renting a home.

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 2023-11-01 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: PA

Complaint narrative:
I XXXX XXXX Currently here fraudulent accounts and inquiries Appearing 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 non-monetary relief
Consumer complaint received 2023-11-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC
State: IN

Complaint narrative:
I received XXXX written collection notices from XXXX within a week of each other, XXXX on XX/XX/23 and the second on XX/XX/23. Both are regarding the same account but reflect " different collection account numbers '' duplicitously, that had been canceled for an internet domain service wirh XXXX and both notices have the same amount of {$130.00}. The collection notices are requesting payment for a contract that I canceled instead of renewing. I emailed this collection company twice per their instructions, once on XX/XX/23 and the second on XX/XX/23. I requested a dispute to be filed and an investigation into the charges as they are fraudulent. In addition, I notified the collection company that I canceled this service prior to renewal and that I am actually awaiting a {$17.00} refund from the company they are supposedly collecting for. I also sent them the confirmation from the original debtor showing the cancelation and the refund amount owed to me and still have not heard anything back. In addition, I still have not even received my refund from XXXX and have been waiting for several months to no avail.

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 2023-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
All I know is I got an address out of XXXX XXXX on my credit report and I've never lived in XXXX XXXX a day of my life I got tons of inquiries I've went to experience about this and they refused I guess to really look into it XXXX or XXXX XXXX so I've never lived in XXXX XXXX  today in my life but I have a XXXX XXXX address in my my credit profile of my experient account and my XXXX and transient so I'm not sure who's a plan for crediting my name or go with his doing all the submitting for trying to get approved for cards or something but XXXX XXXX addresses and not correct I don't live in XXXX XXXX never have my whole life but it's in my credit report and they won't fix it I reported to him so I don't know what else to do about it but I'm pretty sure that that's why I'm being hacked and people signed up for stuff in my name and all kinds of crazy stuff being hack a lift it right I'm not sure what to do and it's that easy thing to get my credit report. Address they got all my information I've been involved in like four data breaches so I don't know who's the blame but experience should have fixed this already whoever that address is down because I've never lived in XXXX XXXX  day of my life

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 2023-11-01 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: PA

Complaint narrative:
I XXXX XXXX Currently have Fraudulent Inquiries in Accounts appearing 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 non-monetary relief
Consumer complaint received 2023-11-01 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: FL

Complaint narrative:
I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 

XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I XXXX XXXX Currently here fraudulent accounts and inquiries Appearing on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-01 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: Dave Operating, LLC
State: CA

Complaint narrative:
I had a pretty pay Dave account before with XXXX XXXX  an someone did the transfer as well I'm victim of identity theft sense XXXX with full name dob birth certificate I would like to know why XXXX benefits come out every year income taxes also getting ssi income an I'm not getting anything of it as well my social media an everything is being hacked as well my name Is XXXX XXXX XXXX XXXX XXXX this transaction went in XXXX with XXXX please pull full investigation as well as my email says income tax information has change I ain't done income taxes only once in my life in XXXX it had the app open foreign transactions that's how that transactions happen

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
In accordance with the Fair Credit Report Act these accounts below have violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 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. Code 1681a - Definitions ; rules of construction - Exclusions.-Except as provided in paragraph the term " consumer report '' does not include-any report containing information solely as to transactions or experiences between the consumer and the person making the report.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an Q 8 open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 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:
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 U.S.C 1681 XXXX XXXX XXXX XXXX XXXX  Credit report XXXX credit report. Experian XXXX15 U.S.C 1681 section 602 A state I have the right to privacy. 15 U.S.C 1681 section 604 section 2 it also states a consumer reporting angency can not furnish a account without my writing instructions 15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of following items of information any other adverse items of information, other than records of convictions of crime which antedate the report by more than seven years. 15 U.S.C 1681 -2 ( A ) ( 1 ) a person shall not finish any information relating to a consumer reporting agency if the person knows or has reasonable

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 2023-11-01 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:
This is one of several times I've discovered that my credit report had inaccurate information. The 3 credit bureaus must verify this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). The listed false information on my credit report has to be investigated, amended, or completely updated : 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