vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-23 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:
I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23 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: FL

Complaint narrative:
I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23 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: NJ

Complaint narrative:
Trying to show on all XXXX credit bureau 's. That accounts have been satisfied with the cancellation of debt through the treasury department via 1099c documentation.

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 2023-11-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Self Financial Inc.
State: MD

Complaint narrative:
Self Financial Re : Identity Theft Dispute - Consumer Financial Protection Bureau Complaint Case # XXXX Dear Self Financial Team, I am writing in response to your letter dated XX/XX/2023, regarding the identity theft complaint I filed through the Consumer Financial Protection Bureau XXXX CFPB ), Case # XXXX. I appreciate your prompt attention to this matter, but I must express my dissatisfaction with the outcome of your investigation and the continued reporting of fraudulent accounts on my credit report. 

I maintain my position that I am a victim of identity theft, and your assertion that the XXXX XXXX Account and Self secured credit card were opened by me is inaccurate. I have provided ample evidence to support my claim, including a police report, a Federal Trade Commission ( FTC ) affidavit, proof of my identity, and evidence demonstrating that I am not associated with the address on file. 

In light of the information provided, I must assert that Self Lender is in violation of my rights under the Fair Credit Reporting Act ( FCRA ). The FCRA outlines specific obligations that creditors must adhere to when reporting information to credit bureaus. Among these are the requirements to investigate disputes and correct inaccurate information. By continuing to report these fraudulent accounts despite my evidence, Self Lender is in direct violation of the FCRA. 

Furthermore, the following laws are relevant to this matter, and I expect your company to comply fully : XXXX. **Fair Credit Reporting Act ( FCRA ) ** - 15 U.S.C. 1681 et seq. 
XXXX. **Fair Debt Collection Practices Act ( FDCPA ) ** - 15 U.S.C. 1692 et seq. 
XXXX. **Identity Theft and Assumption Deterrence Act** - 18 U.S.C. 1028 XXXX  **Privacy Act** - 5 U.S.C. 552a XXXX. **Electronic Fund Transfer Act ( EFTA ) ** - 15 U.S.C. 1693 et seq.

I demand that Self Lender take immediate action to remove the fraudulent accounts from my credit report and cease any collection activity related to these accounts. I expect full compliance with the FCRA and other relevant laws within 5 business days from the date of this letter. Failure to do so will leave me with no choice but to pursue legal action against Self Lender for the violation of my rights under these laws. 

Enclosed with this letter, you will find copies of the police report, FTC affidavit, proof of identity, and evidence of my non-association with the reported address. I urge you to review this evidence carefully and rectify this situation promptly. 

I trust that you will treat this matter with the seriousness it deserves. I anticipate a swift resolution to avoid any further legal action. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23 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: Nelnet, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX I disputed all inaccurate info and violations done by nelnet. They did not properly investigate the CRAs did not properly investigate. My privacy and fcra rights were violated. This account is reporting late payments no proof. This account is reporting 4 times with 2 account numbers each bureau is reporting different information to the same account a FCRa violation. This account is attached to an address not mine another violation. Nelnet is asking me to update information because they dont have any on file which is suspicious why would you furnish this account is mine but asking me to update my information. They were sent a cease and desist and have not followed through. The CRAs did not verify accounts over a year ago. I never received any opt out letters or form of communication through dept of ed and they are furnishing inaccurate personal information to a third party which are CRAs without my consent. They violated the truth lending act

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Paramount GR Holdings, LLC
State: FL

Complaint narrative:
In XXXX of 2022 I took a {$44000.00} loan for solar panels to be installed first the sales people took the phones in put information and electronic signature since my wife and I did not have knowledge on how to so instead of showing us they took both phones and signed the contract second they never took out a permit to do the solar panels they were installed in wrong place it's crooked after trying to contact XXXX XXXX XXXX we were informed in XXXX of 2022 that they are no longer in business the panels have never been inspected or even turned on after fighting with Goodleap loan company sent someone out to fix the issue they came out took all panels electrical boxes wires ECT off stacked them in my yard safety hazard never heard from them since Goodleap keeps calling wanting payment which we were paying to collect payment promised to fix issue now they want to raise my payment from {$180.00} a month to {$250.00} for something sitting stacked in my front yard don't forget the steel poles to hold panels sticking up in my yard please help I don't want the solar it's already took down they can easily pick it up I'll cut the poles down myself thx for your time XXXXXXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I regret to notify you that I am unable to accept your decision to reject my identity theft claim on the grounds that it was based on a mistake or a substantial fact misrepresentation. It begs important questions about how and why you have the power to define what is a material actuality. It is important to note that you do not have the authority of a jury or judge, nor do you have any natural right to render such decisions. 
According to the guidelines set forth by the Federal Trade Commission ( FTC ), when an FTC identity theft report has been filed with a law enforcement agency ( which the FTC itself is ), the protocol is to adhere to the law and investigate accordingly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I'm willing to give you one more chance to handle my request regarding identity theft. If I don't, I'll be forced to use the legal system to pursue my legal rights. In such case, you will be responsible for the harm done to my credit and reputation as well as the emotional pain I have had to go through during this whole experience. It's very likely that throughout court processes, what qualifies as a material fact will become readily evident, and you might have to pay me back for your carelessness.

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 2023-11-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I regret to notify you that I am unable to accept your decision to reject my identity theft claim on the grounds that it was based on a mistake or a substantial fact misrepresentation. It begs important questions about how and why you have the power to define what is a material actuality. It is important to note that you do not have the authority of a jury or judge, nor do you have any natural right to render such decisions. 
According to the guidelines set forth by the Federal Trade Commission ( FTC ), when an FTC identity theft report has been filed with a law enforcement agency ( which the FTC itself is ), the protocol is to adhere to the law and investigate accordingly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I'm willing to give you one more chance to handle my request regarding identity theft. If I don't, I'll be forced to use the legal system to pursue my legal rights. In such case, you will be responsible for the harm done to my credit and reputation as well as the emotional pain I have had to go through during this whole experience. It's very likely that throughout court processes, what qualifies as a material fact will become readily evident, and you might have to pay me back for your carelessness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-23 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:
I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-23 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: MO

Complaint narrative:
I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-23 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: MO

Complaint narrative:
I am writing to express my deep dissatisfaction and frustration regarding the numerous unsuccessful attempts to rectify inaccuracies in my credit file. Despite repeated efforts, the incorrect address and unauthorized inquiries persist, negatively impacting my credit report. 

I initially submitted a dispute, and since then, I have tirelessly attempted to correct the inaccuracies through your established dispute resolution processes. Regrettably, these efforts have been met with little success, as the issues remain unresolved. 

My credit report continues to display an inaccurate address that is not associated with my current or previous residences. This misinformation poses a threat to the integrity of my credit profile and may lead to further complications, including potential identity-related issues. 

There are multiple unauthorized inquiries on my credit report that I have not initiated. These inquiries are not only inaccurate but also raise concerns about the security and privacy of my personal information. 

I have submitted the required documentation, followed the appropriate procedures, and communicated with your representatives on numerous occasions, providing all necessary details to rectify these errors. However, despite my persistent efforts, the issues persist. 

I request an immediate and thorough investigation into these matters. I insist on the prompt removal of the inaccurate address and unauthorized inquiries from my credit report. Additionally, I expect a detailed written explanation for the continued presence of these errors and the measures being taken to prevent their recurrence. 

These inaccuracies are not only affecting my creditworthiness but also causing undue stress and inconvenience. I trust that Credit Bureaus takes these concerns seriously and is committed to providing accurate and reliable credit information to consumers. I am asking for your assistane to remove the fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

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 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.

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 2023-11-23 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: TX

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

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 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23 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:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2023-11-23 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: NJ

Complaint narrative:
I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX I disputed all inaccurate info and violations done by XXXX. They did not properly investigate the CRAs did not properly investigate. My privacy and fcra rights were violated. This account is reporting late payments no proof. This account is reporting 4 times with 2 account numbers each bureau is reporting different information to the same account a FCRa violation. This account is attached to an address not mine another violation. XXXX is asking me to update information because they dont have any on file which is suspicious why would you furnish this account is mine but asking me to update my information. They were sent a cease and desist and have not followed through. The CRAs did not verify accounts over a year ago. I never received any opt out letters or form of communication through dept of ed and they are furnishing inaccurate personal information to a third party which are CRAs without my consent. They violated the truth lending 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 non-monetary relief
Consumer complaint received 2023-11-23 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: GA

Complaint narrative:
On XX/XX/XXXX I disputed all inaccurate info and violations done by XXXX. They did not properly investigate the CRAs did not properly investigate. My privacy and fcra rights were violated. This account is reporting late payments no proof. This account is reporting 4 times with 2 account numbers each bureau is reporting different information to the same account a FCRa violation. This account is attached to an address not mine another violation. XXXX is asking me to update information because they dont have any on file which is suspicious why would you furnish this account is mine but asking me to update my information. They were sent a cease and desist and have not followed through. The CRAs did not verify accounts over a year ago. I never received any opt out letters or form of communication through dept of ed and they are furnishing inaccurate personal information to a third party which are CRAs without my consent. They violated the truth lending act

Company response to consumer: Closed with non-monetary relief