vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-04 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: IN

Complaint narrative:
Ive been contacting them for week two weeks now even mailed letter out to them still these items arent removed from my report. Ive only recently became aware of said items when I went to purchase a vehicle. Once I found out items were reported as fraudulent cause Im the victim of identity theft. Since Ive made several attempts to contact these agencies to have it removed ( the items ) as of yet they havent complied. So my next course of action is legal after these steps The following accounts : XXXX XXXX XXXX, XXXX, XXXX ( which is an eviction for an apartment which Ive never lived at or in ), XXXX XXXX XXXX These items do not belong on my credit report in accordance with FCRA THEY ARE IN VIOLATION!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: TN

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. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: CA

Complaint narrative:
This loan was not originated by me.

The IP address that this was originated from is not mine, my ISP, nor is it local to me.

IP Address : XXXX I had a loan with a firm called XXXX XXXX that was paid off almost two years ago. I did not take out another loan. This is not my debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: VA

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. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Account XXXX XXXX XXXX XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide " Certified Mail '' with receipt displaying my signature. If not, please delete account XXXX ASAP off my credit report or 1 will take legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Stream Auto Outlet
State: NC

Complaint narrative:
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1 5 U S C 1 6 8 1 S E C T I O N 6 0 4 A S E C T I O N 2 : I T A L S O S T A T E S A C O N S U M E R R E P O R T I N G A G E N C Y C A N N O T F U R N I S H A C C O U N T W I T H O U T M Y W R I T T E N I N S T R U C T I O N S 1 5 U S C 1 6 6 6 B : A C R E D I T O R M A Y N O T T R E A T P A Y M E N T O N A C R E D I T C A R D A C C O U N T U N D E R A N O P E N E N D C O N S U M E R C R E D I T P L A N A S L A T E F O R P U R P O S E S.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Open Dealer Exchange, LLC
State: NC

Complaint narrative:
1 5 U S C 1 6 8 1 S E C T I O N 6 0 2 S T A T E S I H A V E T H E R I G H T T O P R I V A C Y 1 5 U S C 1 6 8 1 S E C T I O N 6 0 4 A S E C T I O N 2 : I T A L S O S T A T E S A C O N S U M E R R E P O R T I N G A G E N C Y C A N N O T F U R N I S H A C C O U N T W I T H O U T M Y W R I T T E N I N S T R U C T I O N S 1 5 U S C 1 6 6 6 B : A C R E D I T O R M A Y N O T T R E A T P A Y M E N T O N A C R E D I T C A R D A C C O U N T U N D E R A N O P E N E N D C O N S U M E R C R E D I T P L A N A S L A T E F O R P U R P O S E I N A C C O R D A N C E W I T H T H E F A I R C R E D I T R E P O R T I N G A C T XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A C C O U N T # XXXX XXXX XXXX XXXX XXXX, H A S V I O L A T E D M Y R I G H T S 1 5 U S C 1 6 8 1 S E C T I O N 6 0 2 S T A T E S I H A V E T H E R I G H T T O P R I V A C Y. 1 5 U S C 1 6 8 1 S E C T I O N 6 0 4 A S E C T I O N 2 : I T A L S O S T A T E S A C O N S U M E R R E P O R T I N G A G E N C Y C A N N O T F U R N I S H A C C O U N T W I T H O U T M Y W R I T T E N I N S T R U C T I O N S 1 5 U S C 1 6 6 6 B : A C R E D I T O R M A Y N O T T R E A T P A Y M E N T O N A C R E D I T C A R D A C C O U N T U N D E R A N O P E N E N D C O N S U M E R C R E D I T P L A N A S L A T E F O R P U R P O S E S.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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:
This morning, I found inaccurate accounts on my credit report, and Im completely lost as to how they got there. I check my report regularly, but this time, there were errors that appeared out of nowhere. I even tried refreshing the page, hoping it was just a browser glitch, but nothing changed. These inaccurate accounts stayed, and its left me feeling helpless. Im pleading for the documents Ive sent to be reviewed carefully so I can finally stop worrying about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc.
State: NC

Complaint narrative:
{$680.00} of interest has accrued even though Im on the XXXX plan. Payments are set to begin XX/XX/year> even though I should still be in forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: WA

Complaint narrative:
Experian raised my score to XXXX last month after my complaint. Today I received notification that they dropped it down XXXX points with no change to my report. They tell me they cant tell me exactly why this keeps happening, but it has caused denial of credit by XXXX. I cant live my life with my credit score jumping XXXX points up or down, and I cant even begin to correct the problem without knowing why it keeps happening.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I discovered this morning that there are unauthorized inquiries on my credit report, and I have no idea why. When I checked my report as I usually do, I found discrepancies that appeared out of nowhere. I even refreshed my browser, hoping it was just a glitch, but nothing changed. These inquiries stayed on my report, and Im extremely frustrated. Please review the documents Ive provided thoroughly so I can stop worrying about this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
This company is in violation of my rights by failing to provide the required validation information under 12 CFR 1006.34 ( b ) ( 5 ), yet they have recently reported a collection to my consumer credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: IA

Complaint narrative:
On XX/XX/year> I spent countless hours trying to speak to a human at Experian. Once I did get ahold of an individual, they told me to try logging in today XX/XX/year> as my account was locked from too many attempts of trying to log in. I tried using both my XXXX and XXXX mail credentials to log in, but to no avail. The security questions they provide when trying to use my XXXX account have nothing to do with me. Their system wants me to verify my account with the last XXXX digits of a phone number that I never had. Then ask me my favorite teacher in which I have never used as a security question, as I didnt have a favorite teacher. All of the problems stems back to my trying to get financing at XXXX  XXXX XXXX this past weekend and was told my account was frozen and they use Experian for their credit checks. I was forced to put the sale item on a credit card that charges interest as a result when I could have received XXXX  months at XXXX percent with exceptional credit. I have since tried to create an account and log in at Experian, but cant log in or sign up, nor change my password or anything. I have no recollection of ever creating account through them, but their system shows there is already an account with my email address. When I try to reset the password ( presuming I may have signed up in the past ) that is when I am prompted to verify myself by replying by text or by a phone call to a phone number that was never mine. Their system is messed up and I think they need to investigate who did use my email address to open an account. XXXX has been my email address ever since back in the day when XXXX came about. It is time to get my account corrected. For all I know they are using incorrect information to base my credit on. Both XXXX and XXXX show my current XXXX XXXX at XXXX. That is easily good enough to get financing about anywhere, assuming my account is not locked at Experian and false information about me is being used. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Iowa XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: TX

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance Owed : {$2200.00} XXXX XXXX Balance Owed : {$3700.00} XXXX XXXX Balance Owed : {$2200.00} XXXXXXXX XXXX Balance Owed : {$3700.00}

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 2024-12-04 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:
The items listed below are reported on my personal credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX Reference # XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$960.00} XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to file a complaint regarding inaccurate and inconsistent credit reporting by XXXX XXXX XXXX. The company has reported conflicting and incorrect information to all three major credit bureaus ( XXXX, XXXX, and TransUnion ), resulting in errors that have negatively impacted my credit score and financial standing.

Specifically, I have identified the following issues with XXXX XXXX XXXX reporting : Charge-Off and Paid as Agreed : XXXX XXXX XXXX  has XXXX accounts listed on my credit reports that are marked as both " Charge-Off '' and " Paid as Agreed. '' These conflicting statuses are misleading and do not accurately reflect the status of the accounts. 
Late Payments Reported Incorrectly : The credit card company has reported late payments on my account, which is inaccurate. I have always made payments on time and have documentation to support this. 
Inconsistent Reporting Across Credit Bureaus : The information reported by XXXX XXXX XXXX  is not consistent across all three credit bureaus. For example, some bureaus show missing or incorrect account details, while others have incomplete or conflicting data regarding the status of the accounts. 
I have made multiple attempts to resolve these issues directly with XXXX XXXX XXXX, including [ briefly describe any attempts to resolve the issue, e.g., calling customer service, submitting disputes ], but the errors have not been corrected. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and assist in ensuring that accurate and consistent information is reported to the credit bureaus. I also request that XXXX XXXX XXXX  be held accountable for their failure to report accurate information and for not resolving the discrepancies in their reporting. 

Thank you for your attention to this matter. Please do not hesitate to contact me if you need any further information or documentation to support my complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to file a complaint regarding inaccurate and inconsistent credit reporting by XXXX XXXX XXXX. The company has reported conflicting and incorrect information to all three major credit bureaus ( Equifax, XXXX, and XXXX ), resulting in errors that have negatively impacted my credit score and financial standing. 

Specifically, I have identified the following issues with XXXX XXXX XXXX reporting : Charge-Off and Paid as Agreed : XXXX XXXX XXXX has XXXX accounts listed on my credit reports that are marked as both " Charge-Off '' and " Paid as Agreed. '' These conflicting statuses are misleading and do not accurately reflect the status of the accounts. 
Late Payments Reported Incorrectly : The credit card company has reported late payments on my account, which is inaccurate. I have always made payments on time and have documentation to support this. 
Inconsistent Reporting Across Credit Bureaus : The information reported by XXXX XXXX XXXX  is not consistent across all three credit bureaus. For example, some bureaus show missing or incorrect account details, while others have incomplete or conflicting data regarding the status of the accounts. 
I have made multiple attempts to resolve these issues directly with XXXX XXXX XXXX, including [ briefly describe any attempts to resolve the issue, e.g., calling customer service, submitting disputes ], but the errors have not been corrected. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and assist in ensuring that accurate and consistent information is reported to the credit bureaus. I also request that XXXX XXXX XXXX  be held accountable for their failure to report accurate information and for not resolving the discrepancies in their reporting. 

Thank you for your attention to this matter. Please do not hesitate to contact me if you need any further information or documentation to support my complaint.

Company response to consumer: Closed with explanation