vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-08 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: FL

Complaint narrative:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

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 2022-04-08 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: FL

Complaint narrative:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Upon reviewing my credit file, incorrect information was found in my reports. The XXXX/Experian/XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX Balance {$1700.00}.

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 2022-04-08 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 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

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 2022-04-08 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 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: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
I tried to fix this serval times I just want this off 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 2022-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: OK

Complaint narrative:
Convergent Outsourcing has a collection reporting to XXXX, XXXX and XXXX that isn't mine!! I have never lived at the address associated with the account in dispute! I had this removed over a year ago, due to identity theft. Now its back on and came back verified. They haven't provided proof that the debt is mine ( binding contract with me or cox ), nor a proper investigation to verifying said debt. 

Under the FCRA, any inaccurate information must be removed from my credit report. 
They are also, in violation of laws under 15 U.S.C. 1681 Section 602 A- which states that I have the right to privacy.

15 U.S.C 1681 Section 604 A section 2- states that a consumer reporting agency can not furnish an account without my written permission. 

FDCPA : 22 ( f ) Restrictions on use of certain media.

Paragraph 22 ( f ) ( 2 ).

1. Language or symbol. Section 1006.22 ( f ) ( 2 ) provides, in relevant part, that a debt collector must not use any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by mail.

I have disputed with all 3 credit bureaus, XXXX XXXX XXXX and the Oklahoma Attorney General. I need this resolved as quickly as possible. Please make sure this company is in compliance with my rights as a consumer and takes off all false and negative information from all 3 credit bureaus.

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 2022-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/2021, I sent XXXX XXXX member service a Cease & Desist letter in regards to account ending in XXXXpursuant to 15 USC 1605. XXXX XXXX XXXX XXXX member service sent me a letter stating they will stop all forms of communications in regards to account ending in XXXX ( letter attached ). XXXX XXXX Member Service closed down my account, they have also continued reporting false information on my credit report. Stating that I am 90 days past due on account ending in XXXX, which i am not able to make payments online, through mail, or phone. XXXX has continued to violet my consumer right 15 USC 1692 ( c ) ( c ). I have requested that multiple times that the cease all form of communications and also threats in regards to account XXXX  ( violation 15 USC 1692 ( f ). attached are sent threats by XXXX of paying {$20000.00} on a {$7000.00} owed account which was not mines .Attached are my credit reports showing XXXX XXXX member service still attempting communication of account XXXX by stating that its 90 days late.

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 2022-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2021, I sent XXXX XXXX member service a Cease & Desist letter in regards to account ending in XXXXpursuant to 15 USC 1605. XXXX XXXXh XXXX XXXX member service sent me a letter stating they will stop all forms of communications in regards to account ending in XXXX ( letter attached ). XXXXXXXX XXXX  Member Service closed down my account, they have also continued reporting false information on my credit report. Stating that I am 90 days past due on account ending in XXXX, which i am not able to make payments online, through mail, or phone. XXXX has continued to violet my consumer right 15 USC 1692 ( c ) ( c ). I have requested that multiple times that the cease all form of communications and also threats in regards to account XXXX ( violation 15 USC 1692 ( f ). attached are sent threats by XXXX of paying {$20000.00} on a {$7000.00} owed account which was not mines .Attached are my credit reports showing XXXX XXXX member service still attempting communication of account XXXX by stating that its 90 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2021, I sent XXXX XXXX member service a Cease & Desist letter in regards to account ending in XXXXpursuant to 15 USC 1605. XXXX XXXX  XXXX XXXX member service sent me a letter stating they will stop all forms of communications in regards to account ending in XXXX ( letter attached ). XXXX card Member Service closed down my account, they have also continued reporting false information on my credit report. Stating that I am 90 days past due on account ending in XXXX, which i am not able to make payments online, through mail, or phone. XXXX has continued to violet my consumer right 15 USC 1692 ( c ) ( c ). I have requested that multiple times that the cease all form of communications and also threats in regards to account XXXX ( violation 15 USC 1692 ( f ). attached are sent threats by XXXX of paying {$20000.00} on a {$7000.00} owed account which was not mines .Attached are my credit reports showing XXXX XXXX member service still attempting communication of account XXXX by stating that its 90 days late.

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 2022-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the collection agency however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to 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 2022-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting 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:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the collection agency however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to 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 explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I contacted XXXX on multiple occasions on XX/XX/XXXX stating that I was a victim of their inquiry issue and the representative failed to honor the inquiry issue and failed to help me giving me terrible responses that didnt solve the problem. These are the following hard inquires : XXXX XXXX ( Finance ) XXXX XXXX, XXXX -XXXX  XXXX, XXXX XXXX XXXX ( Bank ) -XXXX XXXX ( Finance ) XX/XX/XXXX -XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX XXXXXXXX ( Finance XXXX XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX Bank ) XX/XX/XXXX -TXXXX XXXX XXXX  ( Bank ) XX/XX/XXXX -XXXX  XXXX, XXXX AXXXX XXXXL ( Finance ) -XXXX  XXXX, XXXX XXXX XXXX XXXX ( Auto ) -XXXXH ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  Bank ) XXXX XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX. ( Bank ) -XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX  ( Finance ) -XXXX XXXX XXXX Auto XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXXXXXX XXXX ( Finance ) -XXXX XXXX ( Finance ) XX/XX/XXXX -XXXX  XXXX, XXXX XXXX XXXX ( Finance ) XXXX XXXX ( Finance ) XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to TransUnion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to be FIX immediately :

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 2022-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Upon reviewing my credit file, incorrect information was found in my reports. The XXXXEquifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : US DEPT ED XXXX Balance {XXXX}, XXXX XXXX Balance {XXXX}, DEPTEDXXXX XXXX Balance {XXXX}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: CA

Complaint narrative:
XX/XX/XXXX when my bankruptcy was discharged AES basically XXXX out my account and listed on my credit as discharged. But what the did was transfer the balance to a new account as if I opened up a new student loan as if this was not the same student loans from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting 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:
Please take a look at the attached letters and ID docs for verification that it is I 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 2022-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I 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 non-monetary relief
Consumer complaint received 2022-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Upon reviewing my credit file, incorrect information was found in my reports. The XXXX/Experian/XXXX  Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : US DEPT ED XXXX Balance {$310.00}, XXXX XXXX Balance {$120.00}, DEPTEDXXXX XXXX Balance {$0.00}.

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 2022-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Upon reviewing my credit file, incorrect information was found in my reports. The TransUnionXXXX Credit Bureau has not XXXXomplied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : US DEPT ED XXXX Balance {XXXX}, XXXX XXXX Balance {XXXX}, DEPTEDXXXX XXXX Balance {XXXX}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I mailed a dispute letter to experian on XXXX XXXX, 2022. The credit bureau has failed to respond within the legal timeframe.

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 2022-04-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My compnay purchased & financed from Wells Fargo equipemnt. At the end of our purchase agreements, we were told, confirmed in writing, verbally several times about our final payoff for our vehicles. When we tried to actually pay the full amount to purchase our vehicles, and to get our titles, we were told to pay 3 times more the amount than origianly advised and agreed.

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 2022-04-08 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: NC

Complaint narrative:
I printed my consumer reports for XXXX, XXXX, and Experian. After reviewing all XXXX reports I noticed there are several inaccuracies on the report. I reached out to each of the credit reporting agencies to give my instructions on the corrections I demand to be made. They have refused to follow my instructions in Pursuant 15 USC 1681b ( a ) ( 2 ) written instructions of the consumer to whom it relates and this is a direct violation. Not only are you impersonating a bureau in which you assumed the role. You also have taken over my report and allowed any and every company to do whatever without consulting me at all. Are you doing business with these companies in order to ruin my credit or reputation? Are they paying you to place fraudulent information on my report? Remove hard inquiry XXXX XX/XX/2022, PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX XXXX, NC XXXX, Remove Account # XXXX and Account # XXXX. Correct the late payments on every XXXX XXXX and XXXX account on 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 non-monetary relief