vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CL Holdings LLC
State: SC

Complaint narrative:
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I strongly assert that it is unjust for me to be held accountable for these fraudulent accounts. I urgently request that you take immediate action to rectify this mistake and absolve me of any responsibility. It is crucial that you investigate this matter thoroughly and promptly correct the error. Your prompt attention to this issue is greatly appreciated.

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 2023-07-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.

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 2023-07-13 00:00:00
Product: Credit reporting, credit repair services, 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: VA

Complaint narrative:
XXXX XXXX XXXX ( XXXX ) and XXXX  ( XXXX ) are violating my rights. 

I am rejecting their response because I have already been in contact with this company and spoke with supervisor XXXX whom was very defensive. I politely asked them to provide me with the original contract of this claim and all she told me was that they have a Sales Certificate and there is no law that says they have to have the original signed contract. When she stated that she just admitted that they do not have the contract and violated my rights as a live human being. I also noticed on my Credit Report that this company is reporting this account TWICE under two different names, one is named XXXX  and the other is called XXXX XXXX XXXX. Both accounts are not accurate at all and is fraudulent while hindering my report. I ask again for it to me deleted IMMEDIATELY from all 3 Credit Reports and under my Social Security Number. I have attached below proof of everything I stated above. 

How is this account accurate if the account type is inaccurate, the account numbers are different for the same account, NO Bureau code, different Account types, term duration is inaccurate, inaccurate open dates, the balance is inaccurate, last reported date is inaccurate, & the date last active is inaccurate. Any automated response, or E-Oscar verification is unacceptable. Verification of each account should match according to the Metro 2 Compliance standards. The two accounts listed is entirely inaccurate and incomplete, and must be deleted. 

15 U.S.C. 1681 ( A ) ( 4 ). - I have the right to privacy.

15 U.S.C. 1681b ( A ) ( 2 ) - Consumer reporting agency can not furnish an account without written instructions.

15 U.S.C. 1681c ( A ) ( 5 ) - Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681i ( 5 ) ( I ) -- If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, if the item is found to be inaccurate/incomplete it must be deleted.

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 2023-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX ( XXXX ) and XXXX  ( XXXX ) are violating my rights. 

I am rejecting their response because I have already been in contact with this company and spoke with supervisor XXXX whom was very defensive. I politely asked them to provide me with the original contract of this claim and all she told me was that they have a Sales Certificate and there is no law that says they have to have the original signed contract. When she stated that she just admitted that they do not have the contract and violated my rights as a live human being. I also noticed on my Credit Report that this company is reporting this account TWICE under two different names, one is named XXXX  and the other is called XXXX XXXX XXXX. Both accounts are not accurate at all and is fraudulent while hindering my report. I ask again for it to me deleted IMMEDIATELY from all 3 Credit Reports and under my Social Security Number. I have attached below proof of everything I stated above. 

How is this account accurate if the account type is inaccurate, the account numbers are different for the same account, NO Bureau code, different Account types, term duration is inaccurate, inaccurate open dates, the balance is inaccurate, last reported date is inaccurate, & the date last active is inaccurate. Any automated response, or E-Oscar verification is unacceptable. Verification of each account should match according to the Metro 2 Compliance standards. The two accounts listed is entirely inaccurate and incomplete, and must be deleted. 

15 U.S.C. 1681 ( A ) ( 4 ). - I have the right to privacy.

15 U.S.C. 1681b ( A ) ( 2 ) - Consumer reporting agency can not furnish an account without written instructions.

15 U.S.C. 1681c ( A ) ( 5 ) - Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681i ( 5 ) ( I ) -- If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, if the item is found to be inaccurate/incomplete it must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
applied for home loan and found this account on credit report. this account isnt mine and this is fraud account XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-13 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account #, has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-13 00:00:00
Product: Credit reporting, credit repair services, 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account #, has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions XXXX XXXX Reported XX/XX/XXXX XXXX  Reported XX/XX/XXXX XXXX Reported XX/XX/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 2023-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have attached an FTC report with a fraudulent collection and fraudulent unauthorized inquiries

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 2023-07-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
See the attached documents. I want the bureau to start teh investigation on these accounts on these accounts. I am never been late in this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
This is not accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX BANK 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 2023-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Conn's, Inc.
State: SC

Complaint narrative:
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I bought a XXXX XXXX XXXX at XXXX XXXX in XXXX California on XX/XX/XXXX. The purchase price was approximately {$21000.00}. At the end of my contract. The vehicle came to {$36000.00}. I do feel extra charges were added to my vehicle. I kept calling XXXX XXXX asking for my contract for the vehicle. After two months calling. They finally sent me my contract. That's when I found out the vehicle came to $ XXXXI was blind-sided. I have tried to call Ally Financial several times over the years. Many times I couldn't get in contact at all with Ally Financial. When I did talk to someone at Ally Financial. They never gave me a straight answer. I do feel they really overcharged me for the vehicle. Plus I believe XXXX XXXX new about the anti-theft alarm wasn't working right. Before they sold me the vehicle.

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 2023-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This is not mine. 

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 2023-07-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: PA

Complaint narrative:
I suffered from a very horrible up hill battle of identity theft. Everything from home utilities to credit cards. JEFFERSON CAPITAL SYSTEM continuously places a fraudulent debt on my credit report when they company was notified of this being fraudulent. I have filed a ftc and police report 3 to 5 years ago, and this did not slow them down. It's almost like this debt company is ran in automation without any human dignity or interaction. They re opened the debt XX/XX/2021. It was previously removed from a different debt collector. Now Jefferson capital starts this over.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 00:00:00
Product: Credit reporting, credit repair services, 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:
Company is not licensed to collect a debt in my state. I do not contract with this company and am not obligated to any repayment or alleged collection. Remove the following accounts from my consumer credit report and block them from accessing my private information. These accounts have caused me serious injury to my person and has caused me to suffer severe financial loss. Cease and Desist the reporting of the following accounts within four 4 days as per outlined within the FCRA guidelines, specifically 605B : BLOCK AND DELETE. 

XXXX XXXX XXXX Opened XX/XX/2022 XXXX XXXX XXXX Opened XX/XX/2022 Misuse of my consumer profile is considered identity theft and harassment. I appreciate your swift response and remedy to my credit profile within 5 business days from receipt of this complaint. 

thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account #, has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions XXXX : XXXX XXXX  : XXXX XXXX : XXXX XXXX : XXXX XXXX  : XXXX XXXX  XXXX XXXX XXXX : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) : XXXX XXXX XXXX XXXX  ( Original Creditor : 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 2023-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account #, has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions XXXX : XXXX XXXX  : XXXX XXXX : XXXX XXXX : XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) : XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX : XXXX : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-13 00:00:00
Product: Credit reporting, credit repair services, 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: VA

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. This Account is in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit/consumer report XXXX XXXX Bankruptcy Case Number : XXXX Delete From My CREDIT REPORT 2.there is some inaccurate information reporting. 
XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2023 Delete this account. 

XXXX. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/2023 Delete this account. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/2023 Delete this account. 

6. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete From My CREDIT REPORT 7. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, FL 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 2023-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NCP Holdings, L.P.
State: SC

Complaint narrative:
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 00:00:00
Product: Credit reporting, credit repair services, 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 want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry on my credit report. I implore you to take immediate action to remove it without any further delay. Please thoroughly investigate this matter and promptly rectify this error by removing the unauthorized inquiry from my credit report. Your urgent attention to this issue is highly appreciated.

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 2023-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I have contacted XXXX 6 times to delete inaccurate reports on my credit report, so far they have not yet sent any information regarding this fraudulent claim they are reporting. I have sent them certified mail asking for debt verification with no response. I have also called them several times letting them know they are reporting inaccurate reports that I'm entitled to payment of XXXX per occurrence. " XXXX ''

Company response to consumer: Closed with explanation