vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-22 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: LEXISNEXIS
State: IL

Complaint narrative:
Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$460.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$410.00} XXXX XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 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: GA

Complaint narrative:
I enrolled in a payment program offered by XXXX XXXX to bring my XXXX XXXX current after a period of economic hardship. XXXX XXXX informed me that they would be scheduling a total of XXXX payments to be deducted from my bank account over three months to bring the account up to date. Unbeknownst to me, XXXX XXXX scheduled the first and third payments, but they did not schedule the second payment. 

After accepting the payment plan, I received a confirmation email that stated I wouldn't have to take any further action and that the amounts would be paid automatically. At the end of the second month, I noticed that my account was suddenly charged off. When I contacted customer support, the agent informed me that he was able to see a record that indicated the first and third payments had been scheduled ; however, there was no record of anyone on XXXX XXXX 's end having scheduled the second payment. 

The agent filed a dispute over the phone on my behalf. I never heard back from XXXX XXXX. The charge-off remained on my account. I tried to call XXXX XXXX several times for updates ; however, the agents all gave different excuses for not being able to help me ( i.e. the supervisors are all in a meeting ; the systems are down, and no one will be able to see my account ; everyone had left for the day, etc ). 

I disputed the charge-off through one of the credit bureaus. XXXX XXXX responded by saying they'd resolved the issue and that the charge-off was correct.

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 2023-12-22 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: GA

Complaint narrative:
I enrolled in a payment program offered by XXXX XXXX to bring my XXXX  XXXX  current after a period of economic hardship. XXXX XXXX informed me that they would be scheduling a total of three payments to be deducted from my bank account over three months to bring the account up to date. Unbeknownst to me, XXXX XXXX scheduled the first and third payments, but they did not schedule the second payment. 

After accepting the payment plan, I received a confirmation email that stated I wouldn't have to take any further action and that the amounts would be paid automatically. At the end of the second month, I noticed that my account was suddenly charged off. When I contacted customer support, the agent informed me that he was able to see a record that indicated the first and third payments had been scheduled ; however, there was no record of anyone on XXXX XXXX 's end having scheduled the second payment. 

The agent filed a dispute over the phone on my behalf. I never heard back from XXXX XXXX. The charge-off remained on my account. I tried to call XXXX XXXX several times for updates ; however, the agents all gave different excuses for not being able to help me ( i.e. the supervisors are all in a meeting ; the systems are down, and no one will be able to see my account ; everyone had left for the day, etc ). 

I disputed the charge-off through one of the credit bureaus. XXXX XXXX responded by saying they'd resolved the issue and that the charge-off was correct.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-22 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:
I enrolled in a payment program offered by XXXX XXXX to bring my Platinum card current after a period of economic hardship. XXXX XXXX informed me that they would be scheduling a total of XXXX payments to be deducted from my bank account over XXXX months to bring the account up to date. Unbeknownst to me, XXXX XXXX scheduled the first and third payments, but they did not schedule the second payment. 

After accepting the payment plan, I received a confirmation email that stated I wouldn't have to take any further action and that the amounts would be paid automatically. At the end of the second month, I noticed that my account was suddenly charged off. When I contacted customer support, the agent informed me that he was able to see a record that indicated the first and third payments had been scheduled ; however, there was no record of anyone on XXXX XXXX 's end having scheduled the second payment. 

The agent filed a dispute over the phone on my behalf. I never heard back from XXXX XXXX. The charge-off remained on my account. I tried to call XXXX XXXX several times for updates ; however, the agents all gave different excuses for not being able to help me ( i.e. the supervisors are all in a meeting ; the systems are down, and no one will be able to see my account ; everyone had left for the day, etc ). 

I disputed the charge-off through one of the credit bureaus. XXXX XXXX responded by saying they'd resolved the issue and that the charge-off was correct.

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 2023-12-22 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: IL

Complaint narrative:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent inquiries from my credit file resulting in alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS is required to REMOVE any inquiries listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XX/XX/202XXXX 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 2023-12-22 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:
Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but never received a response from them. This account must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I will take legal action against them if they do not validate this account. Please follow the law to resolve this matter as soon as possible.

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 2023-12-22 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: GA

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-22 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: NJ

Complaint narrative:
Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but never received a response from them. This account must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I will take legal action against them if they do not validate this account. Please follow the law to resolve this matter as soon as possible.

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 2023-12-22 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: NJ

Complaint narrative:
Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but never received a response from them. This account must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I will take legal action against them if they do not validate this account. Please follow the law to resolve this matter as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-22 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: NV

Complaint narrative:
Despite consistently making on-time payments, this account is reflecting negatively with a late payment status. I discovered multiple billing errors that violate the provisions outlined in 15 U.S. Code 1666 ( b ) regarding billing errors.

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 2023-12-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Previously sent in identity theft form to equifax. It was denied due to discrepancies. The account number is corrected and moving forward if these accounts continues to be furnished on my report litigation proceedings will continue with the help of CFPB. Please see attachment. Attached is my FTC report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am writing to file a formal complaint against Wells Fargo Auto regarding continuous violations of my rights and the disregard of federal regulations.

Over the past year, I have made persistent attempts to opt-out of the reporting Wells Fargo Auto has been making to my consumer report, as per the guidelines outlined in 15 USC 1681b . Despite numerous attempts to rectify this situation and my explicit request to cease reporting, the company has persisted in reporting information without my written consent, which stands in direct violation of consumer protection laws.

Moreover, Wells Fargo Auto has failed to disclose my right to opt-out of reporting, which is a clear violation of 15 USC 6801 and 16 CFR 313.7. These regulations explicitly dictate that consumers possess the right to opt-out of certain disclosures and that companies are obligated to honor these requests, a responsibility Wells Fargo Auto has neglected.

I have sent formal notices explicitly exercising my right to opt-out, complying with the aforementioned regulations, yet Wells Fargo Auto has blatantly disregarded these notices and continued to report information without my consent.

Additionally, I sent a legal tender as settlement payment for the outstanding account, adhering to legal regulations and my duty to settle the account. However, despite this action, Wells Fargo Auto continues to request further payment, ignoring my attempt to settle the account in accordance with the law.

I am distressed by the continued disregard of my rights and the violation of multiple federal regulations by Wells Fargo Auto. These actions have caused significant distress and injury to my financial well-being and personal situation.

As per the aforementioned laws, I am seeking immediate rectification of the negative remarks on my account, adjustment of reporting to accurately reflect my payment history, and adherence to the opt-out request made multiple times. I request an investigation into Wells Fargo Auto 's conduct, compliance with federal regulations, and remedies to rectify the damage caused by these continuous violations.

I am looking forward to your prompt attention to this matter and a resolution that ensures compliance with federal regulations and the protection of consumer rights.

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 2023-12-22 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: MD

Complaint narrative:
For over a year I have been disputing these incorrect items on my profile. These items belong to my father. 

XXXX XXXX P. account number # XXXX {$320.00} XXXX XXXX Quick sliver account # XXXX {$610.00} XXXX XXXX Bank Account # XXXX {$910.00} XXXX XXXX Bank account # XXXX {$680.00} XXXX XXXX XXXX services account # XXXX {$940.00} XXXX account {$740.00}

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 2023-12-22 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: TX

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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 non-monetary relief
Consumer complaint received 2023-12-22 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: MD

Complaint narrative:
I appreciate your taking the time to DELETE some of the information in my credit file ; however, there are still other ITEMS that need to be DELETED. The XXXX credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MD XXXX ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1500.00}.

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 2023-12-22 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: MD

Complaint narrative:
I appreciate your taking the time to DELETE some of the information in my credit file ; however, there are still other ITEMS that need to be DELETED. The XXXX credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXXXXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MD XXXX ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$1500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I want to address the erroneous listing of accounts marked as late payments on my credit report. Despite my long-standing history of consistently making responsible and timely payments as a loyal customer, these accounts are being inaccurately portrayed as delinquent. Why are you reporting me late on XX/XX/2022 when the other bureaus are reporting me as paid? How are you reporting that wrong?

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 2023-12-22 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: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-22 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: LA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-12-22 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: CA

Complaint narrative:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX2023 XXXX XXXX XXXX2023 XXXX XXXX2023 XXXX XXXX XXXX2023 XXXX XXXX2023 XXXX XXXX XXXX2023 XXXX XXXX2023 XXXX XXXX XXXX2023 XXXX XXXX XXXX XXXX2023 XXXX XXXX XXXX XXXX XXXX2023 XXXX XXXX XXXX XXXX XXXX XXXX2023 XXXX XXXX XXXX XXXX2023 XXXX XXXX XXXX XXXX2023 XXXX XXXX XXXX2023 XXXX XXXX XXXX XXXX2022 XXXX XXXX XXXX XXXX2023 XXXX XXXX2023 XXXX XXXX XXXX XXXX2022 XXXX XXXX2023 XXXX XXXX XXXX XXXX2023 XXXX XXXX2023 XXXX XXXX2023

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