vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-06 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: OH

Complaint narrative:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-09-06 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: EQUIFAX, INC.
State: OH

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 


XXXX Balance Owed : {$510.00} XXXX  XXXX XXXX BalanceOwed : {$11000.00} XXXX XXXX Balance Owed : {$0.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has 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 a account without my written instructions Last activity date and account status does not report the same under each credit reporting agency. I have a right as a consumer for 100 % accuracy of 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 2023-09-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: MO

Complaint narrative:
Ive been trying to contact Edfinancial in regards to my repayment plans. 

My hold times have ranged from XXXX minutes last month, to XXXX minutes just yesterday. The information they have doesnt match up to studentloan.gov. They recommended for me to contact my school, claiming my loans were discharged. I contacted my school, XXXX, and confirmed my loans had not been discharged. 

According to studentloan.gov, I owe XXXX, yet theyre ( Edfinancial ), has shown different amounts. They were showing my loan total as XXXX prior to XXXX and now XXXX as of today. Theres no way to confirm the correct payment amount with Edfinancial. I dont know what my payment will be or how to even get on the ramp-up program to aid in getting on a payment schedule the next 12 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 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:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-06 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-06 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 writing to file a formal complaint against the 3 Credit Bureaus , a credit reporting agency that has reported new collection accounts, late closures, charge-offs, repossession and inaccurate personal information entries on my credit report. I believe the account 's information is inaccurate or unfair, such as incorrect account statuses, wrong dates, or any other discrepancies. I had attached copies of supporting documents that support my claim that the reported account information is inaccurate or unfair. These documents may include payment records, correspondence with the creditors, repossession records, and any other relevant evidence. I have previously disputed these inaccuracies with the credit reporting agency or the creditors. I believe that the inaccuracies and unfair account 's information on my credit report are causing significant harm to my creditworthiness and financial well-being. I kindly request that the CFPB investigates this matter and takes the necessary steps to ensure the accuracy and fairness of my credit report. The following fraudulent accounts and inaccurate personal information in question and needs to be removed are as follows : XXXX XXXX XXXX XXXX XXXX  TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX {$6800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$2200.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$830.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX  {$6800.00} XXXX XXXX XXXX XXXX XXXX XXXX  : {$2200.00} XXXX XXXX XXXX XXXX XXXX {$830.00} XXXX XXXX XXXX XXXX {$150.00} XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023.

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 2023-09-06 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: TX

Complaint narrative:
I am writing to file a formal complaint against the 3 Credit Bureaus , a credit reporting agency that has reported new collection accounts, late closures, charge-offs, repossession and inaccurate personal information entries on my credit report. I believe the account 's information is inaccurate or unfair, such as incorrect account statuses, wrong dates, or any other discrepancies. I had attached copies of supporting documents that support my claim that the reported account information is inaccurate or unfair. These documents may include payment records, correspondence with the creditors, repossession records, and any other relevant evidence. I have previously disputed these inaccuracies with the credit reporting agency or the creditors. I believe that the inaccuracies and unfair account 's information on my credit report are causing significant harm to my creditworthiness and financial well-being. I kindly request that the CFPB investigates this matter and takes the necessary steps to ensure the accuracy and fairness of my credit report. The following fraudulent accounts and inaccurate personal information in question and needs to be removed are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX {$6800.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXX {$830.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXXXXXX XXXX XXXX {$6800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX XXXX XXXX {$830.00} XXXX XXXX XXXX XXXX {$150.00} XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Ive been trying to dispute these accounts Ive reached out to the collection agencies and also the three credit bureaus and they refuse to remove it after sending a police report and ftc. According to the law a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) 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. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX XXXX credit card Account number : XXXX Amount : XXXX XXXX XXXX XXXX Account number : XXXX Amount : XXXXXXXX XXXXXXXX XXXX XXXX XXXX Account number : XXXX Amount : XXXX XXXX police department : Approved by XXXX XXXX Report XXXX Each account has been investigated by the XXXX police department and declared as 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 2023-09-06 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:
I am victim of identity theft and I am requesting for XXXX to delete and remove these fraudulent accounts immediately. I have included a copy police report to this correspondence. 
XXXX. XXXXXXXX XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX BALANCE : XXXX XXXX. XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX ( IT HAS PASSED THE SEVEN YEARS MARK PLEASE REMOVE IMMEDIATELY. IT HAS BEEN OVER SEVEN YEARS ). BALANCE : XXXX XXXX. XXXX XXXXXXXX XXXX ACCOUNT NUMBER : XXXX XXXX. XXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX. XXXX XXXX ACCOUNT NUMBER : XXXX BALANCE : XXXX DATE OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX BALANCE : XXXX XXXXXXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX BALANCE : 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 2023-09-06 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: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I am victim of identity theft and I am requesting for XXXX to delete and remove these fraudulent accounts immediately. I have included a copy police report to this correspondence. 
XXXX. XXXXXXXX XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX BALANCE : XXXX XXXX. XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX ( IT HAS PASSED THE SEVEN YEARS MARK PLEASE REMOVE IMMEDIATELY. IT HAS BEEN OVER SEVEN YEARS ). BALANCE : XXXX XXXX. XXXX XXXXXXXX XXXX/CREDIT ACCOUNT NUMBER : XXXX XXXX. XXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX. XXXX XXXX ACCOUNT NUMBER : XXXX BALANCE : XXXX DATE OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX BALANCE : XXXX XXXXXXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX BALANCE : XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-06 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Ive been trying to dispute these account Ive reached out to the collection agencies and also the three credit bureaus and they refuse to remove it after sending a police report and ftc. According to the law a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) 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. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX XXXX credit card Account number : XXXX Amount : XXXX XXXXXXXX XXXX XXXX Account number : XXXX Amount : XXXX XXXX XXXX XXXX XXXX  Account number : XXXX Amount : XXXX XXXX police department : Approved by XXXX XXXX Report XXXX Each account has been investigated by the XXXX police department and declared as fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Remove Derogatory collection accounts an inquires in attachments. I do not recall contracting with these companies for services nor authorizing my information to be used to inquire about such. 
Remove the following accounts and inquiries in the picture below and please see my IDENTITY THEFT AFFIDAVIT along with identification.

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 2023-09-06 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Remove Derogatory collection accounts an inquires in attachments. I do not recall contracting with these companies for services nor authorizing my information to be used to inquire about such. 
Remove the following accounts and inquiries in the picture below and please see my IDENTITY THEFT AFFIDAVIT along with identification.

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 2023-09-06 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NRA Group, LLC
State: CA

Complaint narrative:
This account has been opened numerous times by this agency for a reported past due amount of {$100.00}. Multiple times this account has been removed, as it is not valid information, nor is it linked to any current open accounts. At this point this account has been opened fraudulently and does not belong to me. The most recent date is as of XX/XX/2023. No accounts have been authorized by me by this agency.

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 2023-09-06 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
As of XX/XX/2022 Affirm claims the following debts for the amounts of {$320.00}, {$220.00}, {$300.00}, {$470.00}, {$250.00}, and {$45.00} belong to me. These accounts however, were never opened to my knowledge and therefore have been reported to my credit as collections fraudulently. I am herby asking to have them removed.

Company response to consumer: Closed with explanation