vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-08 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: CA

Complaint narrative:
I am submitting a formal complaint regarding fraudulent items that are currently being reported on my credit report. These inaccurate entries are severely impacting my XXXX XXXX and financial standing. Despite my repeated efforts to address this issue, these fraudulent items remain unresolved, and the matter is now part of pending litigation. 
The presence of these false accounts is not only misleading to potential lenders but also a source of considerable XXXX and harm to my financial reputation.

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 2024-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 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: NJ

Complaint narrative:
It has come to light that you are not removing the records, despite my submission of the FTC report. As required by Regulation 605b of the FCRA, I am sending this complaint to help establish a formal response. If you choose not to block the items listed below, which are inaccurately reported due to fraud, I will turn over my documentation to my attorney to initiate legal action. My intent is to avoid any legal proceedings, so I urge you to comply with the law promptly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-09 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: NJ

Complaint narrative:
It has come to light that you are not removing the records, despite my submission of the FTC report. As required by Regulation 605b of the FCRA, I am sending this complaint to help establish a formal response. If you choose not to block the items listed below, which are inaccurately reported due to fraud, I will turn over my documentation to my attorney to initiate legal action. My intent is to avoid any legal proceedings, so I urge you to comply with the law promptly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Looks like Experian is stating that Experian is exempt from FEDERAL Laws Fair Credit Reporting Act ( FCRA ) to exact. The 30 day mandate that Federal requires Experian to conduct a reasonable investigation has not been done by Experian. This repeat offender and violator of Fair Credit Reporting Act. has indeed caused harm to my life by way of willful noncompliance, recklessly violating my consumer rights tittle 15 United States Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Experian has told me that The Consumer Financial Protection Bureau is a joke and that they Experian will not follow any thing that the Consumer Financial Protection Bureau says, because Federal Laws does not apply to Experian at all. Experian says that it is Exempt because they answer to their private shareholders only and not a goverment agency. Experian says that any correspondence or disputes that come via CFPB website are not being investigated at all and are simply overlooked and sent back a reply to the consumer that its been verified when in fact nothing gets investigated. 

accounts are being reported as over the credit limit when these accounts have been closed /charged off for more that 7 years. these accounts should be off the consumer report. 

accounts that are closed are CLOSED. PERIOD ACCOUNTS ARE REPORTING OVER THE LIMIT WHEN IN FACT NOTHING SHOULD BE REPORTED ON A CLOSED ACCOUNT CHARGE OFF ACCOUNTS ARE REPORTING ACTIVITY WHEN IN FACT THEIR ARE DEAD ACCOUNTS FROM THE XXXX XXXX XXXX XXXX XXXX. 


ACCOUNT XXXXXXXX XXXX ACCOUNT XXXXXXXX XXXX XXXXE ACCOUNT XXXX XXXX XXXXE ACCOUNT XXXX XXXX XXXX THESE ACCOUNTS HAVE NOT BEEN REASONABLY INVESTIGATED. SPENDING 10 MINUTES ON INVESTIGATING AN ACCOUNT IS UNREASONABLE. THERE IS REAL PERSONS TO TALK TO, THERE IS PAPERWORK TO BE LOOKED AT, CONTRACTS TO VERY SIGNATURES, WITNESS TO BE DEPOSED UNDER OATH OR STATEMENTS TO BE DECLARED. NON OF THIS REAL INVESTIGATIONS CAN BE DONE IN 10 MINUTES. LOOKING UP FRAUDULENT, ERRONIOUS INFORMATION WITH THE XXXX XXXX SYSTEM IS UNACCEPTABLE I DEMAND THIS GET FIXED PRONTO. 30 DAY OR LESS AS FEDERAL LAW MANDATES PERIOD.

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 2024-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
This was a pay in XXXX, 0 % interest installment plan. The original creditor is not Affirm, it is XXXX XXXX  based on the loan documents I am seeing. Original loan amount was not {$430.00} as they are reporting, it was {$370.00}. I used a coupon, not sure why they added it to the balance since the merchant never charged {$430.00}. Date opened was not XX/XX/year>, it was before. The coupon and used loan amount was notated as a credit to my account instead of updating the loan terms. That adjustment was made before the first payment was due and it technically shows as a payment. This was very confusing to me when it came time to make payments. On their website it clearly states that pay in XXXX payment plans do not hurt your credit score so they confuse you by offering pay in XXXX pay in XXXX loans and quietly labeling them as installment plans to be able to report incorrect information to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to request the immediate blocking and permanent deletion of fraudulent accounts and inquiries on my credit report that were a result of a recent data breach, which has compromised my personal information. I am exercising my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) as a victim of identity theft to have these unauthorized items removed from my credit file. 
Accounts to Be Blocked and Deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 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: NJ

Complaint narrative:
It has come to light that you are not removing the records, despite my submission of the FTC report. As required by Regulation 605b of the FCRA, I am sending this complaint to help establish a formal response. If you choose not to block the items listed below, which are inaccurately reported due to fraud, I will turn over my documentation to my attorney to initiate legal action. My intent is to avoid any legal proceedings, so I urge you to comply with the law promptly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 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:
On XX/XX/XXXXXXXX XXXX XXXX  I disputed the accuracy of ACCOUNT- XXXX XXXX XXXX XXXXXXXX via mail to XXXX XXXX XXXX replied via mail on XX/XX/XXXX, stating that the account was verified as accurate. On XX/XX/XXXX, I replied via mail requesting a description of the procedure used to verify the account. On XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX responded via mail stating that the data furnisher verified the information on my credit profile. On XX/XX/XXXX I followed up with XXXX via mail requesting the information received from the data furnisher used to verify my account. On XX/XX/XXXX XXXX responded via mail stating that the data furnisher verified the information on my credit profile. 

On XX/XX/XXXX I responded to XXXX via mail stating that the following information is reporting incorrect and inaccurate on my credit report Missed payments on the following dates : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, and XX/XX/XXXX The total sum of the payments NOT reported equals {$1200.00} which is {$250.00} over the balance ( {$990.00} ) being reported. 

The payment history is INCORRECT and INACCURATE The amount owed is INCORRECT and INCACCURATE

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 2024-11-09 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: CA

Complaint narrative:
Equifax, XXXX and XXXX XXXX are reporting is reporting XXXX accounts that Have a cease communication per 15 USC 1692c in order which the debt collector has been notified about, and has agreed to stop all forms of communicating through all mediums which include reporting on my consumer report. Further more XXXX XXXX, and XXXX, Equifax is still reporting the upgrade accounts inaccurately and has refused to remove the same accounts from my consumer report. 

Attached is proof from the debt collector they will no longer contact me, and close the accounts. I need to make sure Equifax, XXXX XXXX, and XXXX remove the XXXX accounts immediately from my consumer report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-09 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: CA

Complaint narrative:
XXXX, Experian and XXXX XXXX are reporting is reporting XXXX accounts that Have a cease communication per 15 USC 1692c in order which the debt collector has been notified about, and has agreed to stop all forms of communicating through all mediums which include reporting on my consumer report. Further more XXXX XXXX, and Experian, XXXX is still reporting the upgrade accounts inaccurately and has refused to remove the same accounts from my consumer report. 

Attached is proof from the debt collector they will no longer contact me, and close the accounts. I need to make sure XXXX, XXXX XXXX, and Experian remove the XXXX accounts immediately from my consumer 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 2024-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Original letter sent via certified mail on XX/XX/year> requesting a cease and desist and consent of privacy while investigating account. Notified them they had 30 days to provide information ( original contract, account number, etc ). There was no response. I sent another certified mail on XX/XX/year> stating to remove the account because it had been over 30 days and no response was sent. I received a letter dated XX/XX/year> with debt validation and response that letter they received was dated on XX/XX/year>. I sent my final letter on XXXX asking to cease collection activities, remove negative account credit reporting, and to provide confirmation. All letters have been sent certified mail with signature request.

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 2024-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Original letter sent via certified mail on XX/XX/year> requesting a cease and desist and consent of privacy while investigating account. Notified them they had XXXX  days to provide information ( original contract, account number, etc ). There was no response. I sent another certified mail on XX/XX/year> stating to remove the account because it had been over XXXX  days and no response was sent. I received a letter dated XX/XX/year> with debt validation and response that letter they received was dated on XX/XX/year>. I sent my final letter on XXXX asking to cease collection activities, remove negative account credit reporting, and to provide confirmation. All letters have been sent certified mail with signature request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Original letter sent via certified mail on XX/XX/year> requesting a cease and desist and consent of privacy while investigating account. Notified them they had XXXX  days to provide information ( original contract, account number, etc ). There was no response. I sent another certified mail on XX/XX/year> stating to remove the account because it had been over XXXX  days and no response was sent. I received a letter dated XX/XX/year> with debt validation and response that letter they received was dated on XX/XX/year>. I sent my final letter on XXXX asking to cease collection activities, remove negative account credit reporting, and to provide confirmation. All letters have been sent certified mail with signature request.

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 2024-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have filed numerous disputes with this credit bureau stating that a false address is on my credit report. I have asked for it to be deleted from my credit report or numerous occasions but yet this credit bureau has failed to do so. 
The fair credit reporting act clearly states that all the information on a person 's credit report should be 100 percent accurate. I have informed this credit bureau that there is an incorrect and false address on my credit report and asked you to remove it and you have refused to do so and this is a clear violation of Fear Credit Reporting Act. Continued violation will result in me taking legal action against your company. I have informed this company on several occasions that I was victim of identity theft. 
Kindly delete the address listed below from my credit report : XXXX XXXX XXXX XXXX, Florida XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 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: DC

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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