vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-17 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I write to you today with a heart heavy with disappointment, as I find myself entangled in a web of outdated and fraudulent information on my credit report. The credit bureaus, entrusted with the responsibility of safeguarding the integrity of financial data, have failed in their duty, leaving me to suffer the consequences of their negligence. Despite my many repeated requests for the removal of this misinformation, the credit bureaus have turned a blind eye to my pleas. They have ignored my rightful demands for accuracy, allowing erroneous data to persist on my credit report, casting doubt on my financial standing, and impeding my access to fair opportunities. This outdated and fraudulent information has far-reaching consequences. It tarnishes my reputation, hindering my ability to secure loans, obtain favorable interest rates, or even pursue certain employment opportunities. The credit bureaus ' indifference to my plight demonstrates a disregard for the well-being of hardworking individuals like me. I implore you to rectify this grave injustice promptly. Remove the outdated and fraudulent entries from my credit report, restoring the accuracy and integrity that should be the hallmark of your institution. Failure to address this matter will only further erode the trust and confidence that the public places in your services.

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 2023-05-17 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: MA

Complaint narrative:
Someone stole my information and opened up fraudulent and unauthorized accounts in my name.

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 2023-05-17 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: MA

Complaint narrative:
Someone stole my information and opened up fraudulent and unauthorized accounts in my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-17 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: NC

Complaint narrative:
Equifax XXXX XXXX XXXX XXXX, XXXX  XXXX To Whom XXXX concern, The only information attached to my profile should be as stated above or on the attached legal documents. Any other NAMES, ADDRESSES, EMPLOYERS, SOCIAL NUMBERS, must be removed and deleted for they are not accurate. 
You are in direct violation of the Fair Credit Reporting Act, the following accounts have violated several of my rights. 

Accounts : XXXX : XXXX - I have no recollection of this account, furthermore I don't know why it is being reported. This account isn't being reported on either XXXX or XXXX. XXXX claimed that this account has been verified. Under XXXX XXXX XXXX, I am obligated to see the method of verification from the creditor with my written signature stating that this in fact is my account or debt, under law you have 30 days to show me or you must delete. This account is also being reported as a XXXX, which if is the case I have never been sent a XXXX form. Also if this account is XXXX XXXX then it can no longer be considered debt by the consumer, rather it is technically income and makes this report inaccurate so this must be DELETED IMMEDIATELY! 

XXXX XXXX  : XXXX - This account is being reported with XXXX  Missed/Late Payments. Update all payments and status to XXXX paid as agreed and never late, XXXX. 

XXXX XXXX XXXX  : XXXX - This account is being reported with XXXX Missed/Late Payments. Update all payments and status to XXXX paid as agreed and never late, XXXX. 

XXXX XXXX XXXX  : XXXX - This account is being reported with XXXX Missed/Late Payments. Update all payments and status to XXXX paid as agreed and never late, XXXX. 

XXXX  : XXXX - This account is closed, but is reporting a 30 day XXXX payment. Update to XXXX paid as agreed and never late, XXXX. 

XXXX XXXX  XXXX - This account is inaccurate. It is closed but reported as settled for less than balance, and reported with late payment. The account was disputed and sent back as verified. Under US Consumer Code I am obligated to see the method of verification in writing with my written signature stating this is true. You have 30 days to provide me this information or you must delete Immediately! 


15 U.S.C 1681 section 602 A : Clearly states that 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 an account without my written instructions.

15 U.S.C 1666 B : A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 


Remove the late payments from the accounts above as demanded, and remove the other XXXX accounts from the consumer report entirely as you are in direct violation of several laws under The Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-17 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I submitted a request to confirm the method of investigation for the validated information. The credit bureau did not respond to my request. The responded saying that they updated my results. This was not what I requested and they 100 % did not honor my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 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: MO

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I entered into a repayment ( settlement ) agreement with American Express with repayment terms as follows : * Balance : {$7600.00} * Term : XXXX XXXX * Due : XXXX of every month or the following business day if XXXX is a weekend or holiday * XXXX XXXX XXXX : {$380.00} ( Due XX/XX/XXXX ) * Pmts XXXX : {$210.00} ( Due XX/XX/XXXX ) * Last XXXX Pmts : $ XXXX I have paid on-time and as agreed, beginning XX/XX/XXXX when the repayment plan began, and again on my XXXX payment in XXXX. 

American Express is still reporting my account to the bureaus as " 120 days late in April '' and " 150 days late in May '' and they are also adding late fees to my account still. 

This is because the settlement is handled by a separate department internally and doesn't seem to communicate to the " other '' customer service department. 

When I call in they route me back and forth in a circular fashion stating " I can't help, check with this department ..., '' etc. 

I am requesting they update my account status to the bureaus to accurately reflect I am paying as agreed and on-time since we began the settlement and repayment terms, and to stop adding late fees for payments made on time under the new agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Wilber and Associates, P.C.
State: OR

Complaint narrative:
On XX/XX/XXXX our daughter got in a fender bender and her husband had no insurance on his car. This resulted in them owing XXXX dollars for the claim. Negotiated with XXXX and agreed to max out my credit card and payed XXXX owed for the claim which they agreed to take as paid in full, telling us that this would settle the claim, this was negotiated on XX/XX/XXXX. We have paperwork to that effect. I asked that the send proof of the claim and the amount as witnesses and daughter said there was no visible damage to her car. In good faith we had thought the matter was resolved and have a receipt to that effect. Now in XXXX people are calling on behalf of XXXX saying we owe another XXXX dollars and that it wasn't them but XXXX insurance that wanted the additional XXXX dollars. The persons calling have been threatening to take our daughters license and using fear tactics to intimidate us into paying more money. This is frightening to me as I have excellent credit in the XXXX 's and I don't want them to ruin it by their deceptive dealings with honest people who made a mistake and are learning from it. I then called XXXX XXXX the claims XXXX with XXXX who has this case and she said that the case has been closed and no money is owed and to refer XXXX to her. Upon hearing this I believe I am being duped and scammed and not dealing with a reputable company and have disputed the charge of XXXX with my credit card company. When we tried to pay the credit card was declined because the company is a scam but I naively believed XXXX that it was legit. I am hopeful that the United States Government will help me not let bully companies like this run over people who can least afford it. XXXX is ruthless and bullying me into paying an additional XXXX dollars that I do not owe. Please help me not let them get away with this. The harrassment and deceit and mean spirited people they have working there are on a power trip. I would have been XXXX of those people who would not have believed that these things happen if not for experiencing it for myself. I said I was going to file a complaint and they said go ahead that the CFPB would not help me. I hope that is not true. I have asked for the recording of the call on XX/XX/XXXX where I was assured that this would resolve the case over and over again, that has not been given or any proof of the damages to the other car, which XXXX said they would send. They are bullying people who XXXX least afford it who have made a mistake and XXXX thinks that gives them the right to trat people disrespectfully. It doesn't, and XXXX doesn't believe that you will help me. Please don't let that be true. Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 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: OneMain Finance Corporation
State: SC

Complaint narrative:
Onemain Financial has shown up on my credit report as hard inquiries multiple times to include as far back as XX/XX/2021. One address is local in my town of XXXX, SC XXXX which I called and was spoken to very rude and Inappropriately. The other one is out of XXXX, IN which I tried calling and got disconnected or hung up on. Attached is information to include emails I sent and their responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 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: NY

Complaint narrative:
On XX/XX/2022 I contacted XXXX XXXX XXXX in writing to discontinue reporting the fraudulent collection account XXXX to my credit report as you are in violation of FDCPA. On XX/XX/2022 I contacted XXXX XXXX XXXX. XXXX  in writing to discontinue reporting the same fraudulent account XXXX. To date, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  have responded to my request or discontinued reporting the associated fraudulent account to XXXX, Transunion, and XXXX Credit Reporting Agencies. I did not request or obtain credit from XXXX XXXX XXXX. Bank nor am I liable for any debt to XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX, or any factoring company. In addition, I also sent a copies of these letters to XXXX, TransUnion, and XXXX Credit Bureaus to dispute and delete this fraudulent collection account and any inaccurate information.

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 2023-05-17 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: NY

Complaint narrative:
On XX/XX/2022 I contacted XXXX XXXX XXXX in writing to discontinue reporting the fraudulent collection account XXXX to my credit report as you are in violation of FDCPA. On XX/XX/2022 I contacted XXXX XXXX XXXX. XXXX  in writing to discontinue reporting the same fraudulent account XXXX. To date, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  have responded to my request or discontinued reporting the associated fraudulent account to Equifax, XXXX, and XXXX Credit Reporting Agencies. I did not request or obtain credit from XXXX XXXX XXXX. XXXX  nor am I liable for any debt to XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, or any factoring company. In addition, I also sent a copies of these letters to Equifax, XXXX, and XXXX Credit Bureaus to dispute and delete this fraudulent collection account and any inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX  XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights. 
XXXX XXXX XXXXXXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX, has violated my rights. 
XXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXXXXXX # XXXX 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information ; Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Privacy Act of 1974 - No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains...

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 2023-05-17 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:
In accordance with the Fair Credit Reporting ActXXXX XXXXXXXX XXXX / ACCOUNT NUMBER XXXX, has violated my rights. 15 U.S.C 1681 SECTION 602 A. States i have the rights to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason.

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 2023-05-17 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: NC

Complaint narrative:
I write to you today with a heart heavy with disappointment, as I find myself entangled in a web of outdated and fraudulent information on my credit report. The credit bureaus, entrusted with the responsibility of safeguarding the integrity of financial data, have failed in their duty, leaving me to suffer the consequences of their negligence. Despite my many repeated requests for the removal of this misinformation, the credit bureaus have turned a blind eye to my pleas. They have ignored my rightful demands for accuracy, allowing erroneous data to persist on my credit report, casting doubt on my financial standing, and impeding my access to fair opportunities. This outdated and fraudulent information has far-reaching consequences. It tarnishes my reputation, hindering my ability to secure loans, obtain favorable interest rates, or even pursue certain employment opportunities. The credit bureaus ' indifference to my plight demonstrates a disregard for the well-being of hardworking individuals like me. I implore you to rectify this grave injustice promptly. Remove the outdated and fraudulent entries from my credit report, restoring the accuracy and integrity that should be the hallmark of your institution. Failure to address this matter will only further erode the trust and confidence that the public places in your services.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 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: NC

Complaint narrative:
I write to you today with a heart heavy with disappointment, as I find myself entangled in a web of outdated and fraudulent information on my credit report. The credit bureaus like TransUnion, entrusted with the responsibility of safeguarding the integrity of financial data, have failed in their duty, leaving me to suffer the consequences of their negligence. Despite my many repeated requests for the removal of this misinformation, the credit bureaus have turned a blind eye to my pleas. They have ignored my rightful demands for accuracy, allowing erroneous data to persist on my credit report, casting doubt on my financial standing, and impeding my access to fair opportunities. This outdated and fraudulent information has far-reaching consequences. It tarnishes my reputation, hindering my ability to secure loans, obtain favorable interest rates, or even pursue certain employment opportunities. The credit bureaus ' indifference to my plight demonstrates a disregard for the well-being of hardworking individuals like me. I implore you to rectify this grave injustice promptly. Remove the outdated and fraudulent entries from my credit report, restoring the accuracy and integrity that should be the hallmark of your institution. Failure to address this matter will only further erode the trust and confidence that the public places in your services.

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 2023-05-17 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO

Complaint narrative:
I had an outstanding debt with USAA savings bank. I contacted them on XX/XX/XXXX of this year to make a settlement offer. USAA agreed to a settlement in the amount of {$3200.00} ( Settlement agreement attached ) Immediately upon agreement, I overnighted a check to USAA in the amount of {$3200.00}. This check was deposited and cleared my bank on XX/XX/2023. ( Cancelled Check attached ) I contacted XXXX and filed a dispute to update the reporting to reflect the agreement. I uploaded a copy of the agreement along with the cancelled check in the XXXX portal and confirmed receipt by phone. 

XXXX explained that any documentation would be considered fraudulent and false unless confirmed by USAA. They further explained that ANY information received by a consumer is considered to be false and any information received by a creditor is considered to be true. 

When XXXX contacted USAA they responded by saying they had received NO payment and the account balance and status remain Unchanged. 

I contacted USAA and was told the employees that respond to disputes did NOT speak to consumers and there was no recourse. 

Having no further recourse with the creditor or the credit reporting company, I am asking the CFPB to respond.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation