vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-14 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: NY

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-01-14 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: TX

Complaint narrative:
The persistent presence of fraudulent and inaccurate information on my consumer report continues to cause significant disruption in my life, despite my numerous attempts to resolve these issues. As a victim of identity theft, I never authorized or consented to these entries being associated with my name, yet their ongoing presence has generated immense stress and XXXX while severely impacting my financial stability and everyday wellbeing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: TX

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2025-01-14 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
Upon reviewing my most recent consumer report, I noticed bankruptcies listed that should not be there. After studying relevant laws, I discovered that this violates 15 U.S. Code 1681 ( a ) ( 4 ), which protects consumers ' right to privacy. These bankruptcy claims are inaccurate and should not appear on my credit report. By including this information, you have released my personal data without my consent, which is a serious violation of my rights. This is completely unacceptable, and as a XX/XX/XXXXXX/XX/XXXX, I am making it clear that you are both criminally and civilly liable for this misconduct.

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 2025-01-14 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I purchased XXXX AMEX gift cards on XX/XX/XXXX, in XXXX separate transactions on the same day. The cards were received in good condition, and were transferred directly to my safe ( I think they came via XXXX, but I dont remember precisely ). On XXXX XX/XX/XXXX, I attempted to use all of the cards, to the same vendor. These transactions were made by me, directly. XXXX of the cards worked fine, XXXX did not ( though I tried it multiple times ) - XXXX XXXX XXXX. On checking the American Express balance, I noted that there were XXXX transaction made on this card, in XXXX. As the card was unused, sealed, and stored in the safe along with XXXX others, this could have only occurred through a data breach at American Express ( or XXXX of their contractors ). 

I reported this, promptly, on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, I called for a status update, only find out that the email address I had given was recorded incorrectly in the American Express ( XXXX ) system. Assuming that this was the reason I had not heard back, I allowed another 2 days to elapse. It is now more than 7 days from the time of reporting, but there is no status update. 

XXXX has this listed as case XXXX, and has been less than forthcoming as to both the actual status, and the proposed resolution. 

I am asking for your assistance in resolving this case, please. I have all documents, proof of purchase, images of the cards, and the remaining cards and envelopes they came in for examination, if you need it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
The vehicle was purchased fraudulently through Identity theft, the information on the bill of sale is not my information such as the email address as well as the contact information. My information was leak in the data breach for XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Opportunity Financial, LLC
State: IN

Complaint narrative:
In XX/XX/XXXX, OppLoans charged off my account and sold the debt to a third-party collector. Despite this, they have continued to inaccurately report the account as having ongoing late payments each month, in violation of the Fair Credit Reporting Act ( FCRA ). This practice has persisted for over two years, causing significant harm to both my credit score and credit history. 

In addition to the inaccurate reporting, OppLoans sent inconsistent and misleading communications about the charge-off process, causing unnecessary confusion and stress. Starting on XX/XX/XXXX, they sent an email titled Dont risk your account ending up in write-off, followed by a message on XX/XX/XXXX, with the subject Avoid a charge-off. Another email on XX/XX/XXXX, stated the account was at risk of charge-off. Yet, just days later, on XX/XX/XXXX, I received an email stating I had three days left to prevent the charge-off, only to be followed by another on XX/XX/XXXX, claiming I had only one day left. These conflicting timelines and messages made it difficult to fully understand my options and caused unnecessary stress. 

Following the charge-off, the debt was sold to XXXX in XX/XX/XXXX and later to XXXX XXXX in XX/XX/XXXX, as confirmed by communications from both collectors. Despite transferring the debt, OppLoans has continued to report the account monthly as late, knowingly misrepresenting its true status and perpetuating harm to my credit score and history. These actions have led to a significant suppression of my credit score, likely by over 100-200 points, and negatively affected my ability to secure fair financial opportunities, loans, and housing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become aXX/XX/XXXXand have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 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: Mercedes Benz Financial Services
State: LA

Complaint narrative:
I need this acct removed from my credit report. This account is not mine. I was apart of the data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
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:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: NY

Complaint narrative:
Since XX/XX/2024, I've clearly requested that Experian remove XX/XX/XXXXfrom my credit report, as I don't have an account with them, it was Deleted and now it's back on my credit report again because of a fraudulent or non-existent investigation. I also requested to update my personal info by removing unlnown phone numbers and addresses and an ACTUAL name that is NOT mine as well as an investigation to remove XXXXXX/XX/XXXX because I don't recognize this company. The whole year of 2024 was spent by my disputing items and Experian not removing or Investigating. For the last 3-4 months, Experian will NOT allow me to dispute items and they have not responded.

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 2025-01-14 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: NY

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an XX/XX/XXXXassisting me due to XX/XX/XXXXdebt bondage, which falls under XX/XX/XXXXaccording to XX/XX/XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XX/XX/XXXX of XX/XX/XXXX of Debt Bondage and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following account XXXX XXXX XXXX BALANCED {$7100.00}

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 explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXXXX/XX/XXXX SS - XXXX XX/XX/XXXX - XXXX SXX/XX/XXXX XX/XX/XXXX - XXXXXX/XX/XXXXL XXXX - XXXX XXXX XXXX XXXX - XXXXXX/XX/XXXX- XXXX XXXX XX/XX/XXXXL XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: PA

Complaint narrative:
I am asking for your help in regards to these accounts, I want your help as these accounts is being reported differently across three bureaus and I need your help to correct this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 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: PA

Complaint narrative:
I am asking for your help in regards to these accounts, I want your help as these accounts is being reported differently across three bureaus and I need your help to correct this.

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 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report. please remove these accounts fro my report they are hurting my ability to obtaon credit. thanks

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 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have sent in many disputes with Experian and they are not fully investigation my account as I know because they keep saying updated and verified but when I ask where and how are you verifying this information and to send me document on how its done I haven't receive anything the account I'm reporting is XXXX XXXXXXXX XXXX XXXX  account number XXXX XXXX  as I stated I'm a victim of identity theft and want this account blocked and removed from my profile in 4 days

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 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have identified several inaccurate charge-offs on my credit report that do not belong to me. Furthermore, I have not received a Form 1099-C from any of these companies, which would serve as confirmation that these debts are not mine. To resolve this issue, I have proactively reached out to each of the companies associated with these charge-offs, as well as all three major credit bureaus, to dispute these inaccuracies. Additionally, I have encountered situations where some of my disputes were denied, yet I did not receive any explanation or reasoning behind those decisions. This lack of communication is frustrating and makes it difficult for me to address the inaccuracies on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: TX

Complaint narrative:
I have identified several inaccurate charge-offs on my credit report that do not belong to me. Furthermore, I have not received a Form 1099-C from any of these companies, which would serve as confirmation that these debts are not mine. To resolve this issue, I have proactively reached out to each of the companies associated with these charge-offs, as well as all three major credit bureaus, to dispute these inaccuracies. Additionally, I have encountered situations where some of my disputes were denied, yet I did not receive any explanation or reasoning behind those decisions. This lack of communication is frustrating and makes it difficult for me to address the inaccuracies on my 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 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
After realizing I was a victim of identity theft I reported to the 3 bureaus of this matter as well as a copy of my report. They have not produced a promissory note of any information saying that this is indeed my loan. Instead they all 3 continue to verify informations that they ca not prove is mine. Also there are things they they have agreed to remove and yet they are all still on my report theses items should have promptly been removed. I feel they are holding my credit down on purpose and at this time they are in violation of 15usc 1681 ( I ) ( e ) of the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: FL

Complaint narrative:
After realizing I was a victim of identity theft I reported to the 3 bureaus of this matter as well as a copy of my report. They have not produced a promissory note of any information saying that this is indeed my loan. Instead they all 3 continue to verify informations that they ca not prove is mine. Also there are things they they have agreed to remove and yet they are all still on my report theses items should have promptly been removed. I feel they are holding my credit down on purpose and at this time they are in violation of 15usc 1681 ( I ) ( e ) of the fair credit reporting act.

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