vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-03 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: CA

Complaint narrative:
Hi I am a single mom trying to make life work and to see all the XXXX happening to us Americans is disgusting. Im here to take a stand and I wont go down without fight. 
XXXX. 
These fake bureaus. ( XXXX, Experian and XXXX ) have too much misinformation about me online for public consumption. 

My info has been leaked. 
The person who made the report I had no dealings with. 
A lot of the info is WRONG or has inacuracies that dont line up starting with : my birthdate, Address, credit score, employment, XXXX open closed, derogatory, collections, ( BALANCE DIFFERENCES BETWEEN EACH Bureau {$11000.00}, XXXX, XXXX??? ) XXXX. 
XXXX ( XXXX XXXX specifically ) for having a breach and my social being stolen XXXX. 
XXXX XXXX  credit card says terminated and inactive which is not true. 
XXXX. 
XXXX XXXX XXXX  I am suing because they did contract XXXX  and sold out my social. Obtained securities XXXX on my behalf. Then SOLD MY DEBT WHICH IS ILLEGAL. 
XXXX. 
XXXX XXXX XXXX ( original was XXXX XXXX XXXX ) THEY SOLD MY DEBT TO A COLLECTOR WHICH IS ILLEGAL. They obtained securities on my behalf.. 
XXXX. 
XXXX and XXXX ( original was XXXX  ) THEY SOLD MY DEBT TO A COLLECTOR WHICH IS ILLEGAL. They obtained securities on my behalf. 
XXXX. 
XXXX ( original creditor is XXXX  ) I have a billing error they wouldnt honor. 
THEY THEN SOLD MY DEBT WHICH IS ILLEGAL. They obtained securities on my behalf. 

XXXX. 
XXXX  ( original creditor XXXX XXXX XXXX ) They failed to provide services to my child. 
THEN SOLD MY DEBT TO A COLLECTOR WHICH IS ILLEGAL. 
XXXX. 
XXXX XXXX  ( original creditor XXXX XXXX XXXX ) I needed XXXX attention and got it with my securites. They sold my debt WHICH IS ILLEGAL. 

I wish for my privacy to be just that. 
Transaction history is not only illegal but the inaccuracy on my report is childish. And every single piece of it is 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 2024-10-03 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: CA

Complaint narrative:
Hi I am a XXXX mom trying to make life work and to see all the fraud happening to us Americans is disgusting. Im here to take a stand and I wont go down without fight. 
XXXX. 
These fake bureaus. ( XXXX, XXXX and Equifax ) have too much misinformation about me online for public consumption. 

My info has been leaked. 
The person who made the report I had no dealings with. 
A lot of the info is WRONG or has inacuracies that dont line up starting with : my birthdate, Address, credit score, employment, XXXX XXXX closed, derogatory, collections, ( BALANCE DIFFERENCES BETWEEN EACH Bureau {$11000.00}, XXXX, XXXX??? ) XXXX. 
XXXX ( XXXX XXXX specifically ) for having a breach and my social being stolen XXXX. 
XXXX bank credit card says terminated and inactive which is not true. 
XXXX. 
XXXX XXXXXXXX XXXX  I am suing because they did contract fraud and sold out my social. Obtained securities XXXX on my behalf. Then SOLD MY DEBT WHICH IS ILLEGAL. 
XXXX. 
I c system ( original was XXXX XXXX XXXX ) THEY SOLD MY DEBT TO A COLLECTOR WHICH IS ILLEGAL. They obtained securities on my behalf.. 
XXXX. 
XXXX and XXXX ( XXXX was XXXX  ) THEY SOLD MY DEBT TO A COLLECTOR WHICH IS ILLEGAL. They obtained securities on my behalf. 
XXXX. 
XXXX ( original creditor is XXXX ) I have a billing error they wouldnt honor. 
THEY THEN SOLD MY DEBT WHICH IS ILLEGAL. They obtained securities on my behalf. 

XXXX. 
XXXX  ( original creditor XXXX XXXX XXXX ) They failed to provide services to my child. 
THEN SOLD MY DEBT TO A COLLECTOR WHICH IS ILLEGAL. 
XXXX. 
XXXXXXXX XXXX XXXX original creditor XXXXXXXX XXXX XXXX  ) I needed dental attention and got it with my securites. They sold my debt WHICH IS ILLEGAL. 

I wish for my privacy to be just that. 
Transaction history is not only illegal but the inaccuracy on my report is childish. And every single piece of it is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-03 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: GA

Complaint narrative:
My identity was stolen from me and destroyed my good reputation with company 's that I never seen on my credit report never seen in my life just want my name name back and everything that has to do with my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 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:
RE : Trafficking Block Request To Whom It XXXX Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXX XXXX - XXXX - XX/XX/year> - {$5000.00} Please block this information from my credit report within XXXX business days, pursuant to Section 605C of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 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: AZ

Complaint narrative:
I expect your immediate assistance in removing the fraudulent information from my credit file. This data should have already been removed as it resulted from fraud, yet it remains. Under FCRA Section 605, you are required to eliminate any inaccurate records, and Ive already provided supporting documentation in a previous letter, which I am including again. Ive informed my attorney, who is prepared to hold you accountable for your ongoing failure to comply with this obligation. 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 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 2024-10-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Lendmark Financial Services
State: CA

Complaint narrative:
I FILED A COMPLAINT IN XXXX OF 2024 IN RE - TO LENDMARK FINANCIAL AND I DID GET A CALL ABOUT MY COMPLAINT BUT NOTHING MORE THAN THAT SO I AM CONTINUING TO FILE ANOTHER COMPLAINT IN REGARDS TO THE FEES OF ADD ONS, XXXX XXXX HAS SEVERAL PROTECTIONS FOR CAR BUYERS BORROWERS ETC LENDER CAN NOT ADD CHARGES TO A CAR CONTRACT WITHOUT THE BUYERS CONSENT AND DISCLOSURE I NEVER RECIEVED A DISCLOSURE OR WAS I ASKED ABOUT THE ADDONS SO IT WASNT KNOWN AT THE TIME BECAUSE THE LENDER DID NOT EXPLAIN ANY ADDITIONAL CHARGES SO AGAIN I ASKED LENDMARK TO REMOVE THE ADD ONS AND ADJUST THE SALE PRICE OF THE VEHICLE THE XXXX TOLD ME NO HIS NAME IS XXXX THERE WAS NEVER A CREDIT DISCLOSURE OR EXPLANATION TO HOW IT IS USED AND THE FIRST CONTRACT HAD XXXX OF XXXX % I REFINANCED THINKING IT WOULD LOWER MY PAYMENT IT RAISED IT WITH XXXX AT XXXX % WITH NO EXPLANATION AS TO WHERE THEY FIGURED THE XXXX ALSO I DID GET A PRINT OUT OF PAYMENT S RECIEVED AND NOTICED THE FEES THAT ARE CHARGED FOR LATE PAYMENTS ALSO I PAY WITH MY DEBIT CARD ONLY I SEE NSF CHECK RETURN FEES I DONT PAY MY CAR NOTE WITH ANY CHECKS SO I DONT KNOW HOW THEY CONTINUE TO XXXX FOLKS AND NEVER HAVE ANY KIND EXPLANATION TO FEES ADD ONS THEY SAY THE ADD ONS WERE TAKEN OFF BUT IT WAS NEVER ADJUSTED THE TOTAL XXXX SO THE CONTRACT SHOWS XXXX MORE THAN WHAT I BORROWED AND THE PHONE CALL FROM A LENDMARK EMPLOYEE DID NOT CHANGE THE ERRORS THAT THEY HAVE APPLIED TO MY LOAN AND IVE HAD UP TO MY EARS WITH THERE BS SOMETHING NEEDS TO BE ADDRESSED ABOUT THEIR PRACTICES ITS DECEPTIVE AND AGAINST THE LAW ITS VIOLATING THE FINANCE ACT AMONGS OTHER LAWS I DO HOPE YOU CAN FIND A WAY TO THIS MATTER ALL OF THE EMPLOYEES ARE INCOMPETENT AND THEY HAVE NUMOUROUS COMPLAINTS ON THE BBB WEBSITE OVER XXXX COMPLAINTS THE NEXT STEP IS TO FILE IN COURT ON THEM IM LOOKING FOR RESOLUTION AND THE TRUTH IN LENDING ACT WHICH THEY DO NOT APPLY ITS PREDATORY LENDING I SAID IT BEFORE SO THERE CHGING ME NSF FEE FOR A CHECK THAT WAS NEVER WRITTEN I ALWAYS PAY WITH MY DEBIT CARD .PLEASE DO GET BACK TO ME, THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-10-03 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: MA

Complaint narrative:
I hope this letter finds you well. I am writing to seek your assistance in updating several accounts on my credit report. I have noticed that certain information pertaining to these accounts is outdated or incorrect, and I am keen to have my report accurately reflect my current financial situation.

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 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-10-03 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: IL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-10-03 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: OH

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 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 2024-10-03 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. 
Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. 
Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency XXXX furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a XXXX grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 
Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not readd or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2024-10-03 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: RI

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX filing this complaint. 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.

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 2024-10-03 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:
Disputed account balance with all bureaus which has balance due customer of XXXX $ XXXX XXXX XXXX. Not corrected score unchanged. Constant balance and score difficulties Please assist

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 2024-10-03 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: CA

Complaint narrative:
Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
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 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX filing this complaint. 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.

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 2024-10-03 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: TX

Complaint narrative:
Discovering an error implying a late payment on my account is troubling, especially given my history of consistently meeting payment deadlines. This discrepancy is causing undue stress, and I urge you to promptly address it by ensuring my records accurately reflect my payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-03 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: NJ

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-10-03 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: NJ

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 explanation