vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-21 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 XXXX Account Number : XXXX Has Violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account Number : XXXX Has Violated my rights In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX Account Number : XXXX has violated my rights In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  XXXX Account Number : XXXX Has violated my rights. 


15 U.S.C 1681 Section 602 A states I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Dear credit reporting Agency I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway ( XXXX XXXX XXXX - {$2600.00} ) ( XXXX XXXX XXXX - {$1500.00} ) ( XXXX XXXX XXXX  - {$780.00} )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 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: CA

Complaint narrative:
This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. The account needs to be removed as it is fraudulent : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 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: CA

Complaint narrative:
This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. The accounts need to be removed as it is fraudulent : 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 2022-07-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CBC Credit Services, Inc.
State: TX

Complaint narrative:
I have no idea who this creditor is or why this is on my report.

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 2022-07-21 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: LEXISNEXIS
State: NY

Complaint narrative:
When I applied for auto insurance renewal, my auto policy quote is coming higher than the normal average amount. So my insurance company XXXX  told me that lexis nexis is reporting that in XXXX of XXXX there was a record of an unauthorized driver on my license. I am the only one that drives my car. This is absolutely wrong and fradulent. This is causing problems for me to can a decent auto insurance quote. I bought my car in XXXX the XXXX  XXXX  XXXX. Prior to that I had a XXXX XXXX. I have had no problems on my license, however lexis nexus is reporting wrong. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have submitted several letters to all XXXX credit bureaus- XXXX XXXX TransUnion XXXX and XXXX disputing this Account with XXXX  XXXX Bank XXXX They keep sending me a letter that this account was verified, but have failed to explain WHY, WHO, & WHEN? They have failed to present me with their method of verification. They have also failed to show me original documents bearing my signature with this account. This account also shows a few incorrect information such as the ''date opened '', and ''date of last activity ''. Please delete this incorrect and unverifiable information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have submitted several letters to all XXXX credit bureaus- Equifax XXXX XXXX XXXX and XXXX disputing this Account with XXXXXXXX XXXX XXXX . They keep sending me a letter that this account was verified, but have failed to explain WHY, WHO, & WHEN? They have failed to present me with their method of verification. They have also failed to show me original documents bearing my signature with this account. This account also shows a few incorrect information such as the ''date opened '', and ''date of last activity ''. Please delete this incorrect and unverifiable information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have submitted several letters to all XXXX credit bureaus- XXXX XXXX XXXX , and Experian disputing this Account with XXXX XXXX XXXX . They keep sending me a letter that this account was verified, but have failed to explain WHY, WHO, & WHEN? They have failed to present me with their method of verification. They have also failed to show me original documents bearing my signature with this account. This account also shows a few incorrect information such as the ''date opened '', and ''date of last activity ''. Please delete this incorrect and unverifiable information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX  Accounts # XXXX XXXX XXXX XXXX, account # XXXX XXXX XXXX XXXX, account # XXXXXXXX XXXX XXXXXXXX XXXX XXXX, account # XXXX XXXX XXXX XXXX, and account # XXXX XXXX XXXX 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 USC 1692 b. Acquisition of location. Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer- ( 2 ) not state that such consumer owes any debt ; 15 USC 1692 d - Harassment or abuse ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. ( The nonstop calls and letters threating litigation and incarceration, has caused me mental anguish, stress and XXXX  in which i now take medication for. )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX  Accounts # XXXX XXXX XXXX XXXX, account # XXXX XXXX XXXX XXXX, account # XXXXXXXX XXXX  XXXX XXXX XXXX, account # XXXX XXXX XXXX XXXX, and account # XXXX XXXX XXXX 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 USC 1692 b. Acquisition of location. Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer- ( 2 ) not state that such consumer owes any debt ; 15 USC 1692 d - Harassment or abuse ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. ( The nonstop calls and letters threating litigation and incarceration, has caused me mental anguish, stress and XXXX  in which i now take XXXX  for. )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: VA

Complaint narrative:
I, have a complaint, about, my money, being taking out of cash ap, account, that wasn't, authorized, by me! upon checking, my balance! on XXXX! XXXX i had, {$950.00} in, my account upon me, checking, XXXX i seen, that my account, showed a XXXX balance because the, activity page showed that! XXXX, transactions! that I had nothing to do with, was the reason! the first, XXXX XXXX XXXX  XXXX, convenience store, located, in XXXX, mi. For the amount of {$96.00}, the other XXXX, was made by XXXX! {$49.00}, the next, XXXX, the amount {$240.00} the last one! for the amount of {$560.00}, all I believe made in, acording, to the statement! XXXX California! I contacted, cash ap, about this offence, by e-mail, and phone to XXXX different! reps '' they said they, couldn't investigate, while, the transactions was pending, and I would have to wait, 10 days! why is this when! they allowed some one! from XXXX different, locations! To get my, money $ then allowed, then to, back in my account! {$66.00} that, is not, mine, please, help me to get my {$950.00} dollars back! with warm! " regards

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Company-Transunion ; Called and was stated to file complaint FTC incorrect reporting late payments on XXXX account , for the months of XXXX, XXXX, XXXX, and XXXX Compan- XXXX ; Called and was stated to file complaint FTC incorrect reporting late payments on XXXX account, for the months of XXXX, XXXX, XXXX, and XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAINE & WEINER COMPANY, INC.
State: LA

Complaint narrative:
I have submitted several letters to all XXXX credit bureaus- XXXX XXXX XXXX XXXX and XXXX disputing this Account with CAINE WEINER XXXX They keep sending me a letter that this account was verified, but have failed to explain WHY, WHO, & WHEN? They have failed to present me with proper documents that show their method of verification. They have also failed to show me original documents bearing my signature with this account. This account also shows a few incorrect information such as the ''date opened '', '' closed date '', ''account status '', ''dispute status '' and ''date of last activity ''. All XXXX credit bureaus are reporting DIFFERENT INFORMATION on this SAME account which is against my consumer rights. According to the FRCA consumer reporting, agencies must correct or delete inaccurate, incomplete, or unverifiable information. If this UNVERIFIABLE and INACCURATE information is not deleted in 30 days I will be visiting my local small claims court to begin the process of a Lawsuit against ALL XXXX credit bureaus AND CAINE WEINER for reporting false information on my credit report AND defamation of character. I expect to receive an updated credit report within the next 30 days showing that this account has been DELETED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 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: CA

Complaint narrative:
It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report # XXXX for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA 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 2022-07-21 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian keeps listing my requests as duplicate, or ignoring, or playing games. However, they haven't yet to answer one. For 5 years I have been requesting a copy of the signed and dated permissible permission used by Experian and XXXX XXXX XXXX XXXX ( XXXX  ) to access my credit report in XXXX 2017. They have yet to do anything but play games. They pass the buck to XXXX who also lists requests as duplicate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I can not separate my spousal consolidation loan from my husband to take advantage of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
Venmo froze my account... no explanation given. I have put several email request for an answer. It has been several days.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-21 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: FL

Complaint narrative:
Dear XXXXredit reporting Agency I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway ( XXXX XXXX XXXX - {$2600.00} ) ( XXXX XXXX XXXX - {$1500.00} ) ( XXXX XXXX XXXX  - {$780.00} )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dear credit reporting Agency I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway ( XXXX XXXX XXXX - {$2600.00} ) ( XXXX XXXX XXXX - {$1500.00} ) ( XXXX XXXX XXXX - {$780.00} )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-21 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX ; Called and was stated to file complaint FTC incorrect reporting late payments on XXXX account XXXX for the months of XXXX, XXXX, XXXX, and XXXX XXXX Equifax ; Called and was stated to file complaint FTC incorrect reporting late payments on XXXX account, for the months of XXXX, XXXX, XXXX, and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 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: MOHELA
State: AZ

Complaint narrative:
All of my credit reports are showing twelve ( 12 ) 90 or 120 day late payments in the month of XX/XX/2019 for my student loans with " Mohela/Dept of Ed '', however, my student loans were in Administrative Forbearance from XXXX XX/XX/2019 and General Forbearance XXXX XX/XX/2019. Administrative Forbearance is a period during which payments to federally held student loans have been automatically paused or suspended and interest rates set to 0 %. Thus, it is legal and factual impossibility to be in default or have late payments during the period my loan was approved for Administrative Forbearance. I did request to be in Administrative Forbearance and my application was approved, which included a backdated Administrative Forbearance. The credit reporting agencies have said that payment was late because payment was made during the application for the Administrative Forbearance, however, the Administrative Forbearance was approved and served to backdate the forbearance during the application process, as clearly demonstrated by no late/delinquent notices during the months of XX/XX/2019, when I would have been 30 days late, and again XX/XX/2019, when I would have been 60 days late. In sum, the twelve ( 12 ) reports of 90 or 120 days late is not only inaccurate because I was on Administrative Forbearance, it is predatory as it has completely destroyed my credit, despite the proper approval for the Administrative Forbearance. I have included a of a correspondence from XXXX XXXX ( the previous student loan servicer ), dated XX/XX/2019, approving the Administrative Forbearance from XXXX XX/XX/2019 and General Forbearance XXXX XX/XX/2019 - again showing the Administrative Forbearance was backdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXX XXXX # XXXX I reached out to this CRA to request that the below listed hard inquiries be deleted. 
The tracking information above proves they did receive my request and have refused to do so at this time. Here are the inquiries once again that need to be deleted immediately : 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