vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
after reviewing my credit report with the 3 credit reporting agencies I discovered that an fraudulent account was opened and used to obtain service, credit using my credentials without my consent I reached out to the companies individually I even filed a police report none of the details was acknowledged for months I havent heard back from the credit agencies or the companies this has affected in many difficult ways and I still havent received proper resolution Under 15 U.S.C 1681 s-2 Section A ( A ) Reporting information with actual knowledge of errors 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
Consumer complaint received 2024-01-16 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: Ability Recovery Services, LLC
State: IN

Complaint narrative:
1.ability recovery services llc 2XXXX 3.XXXX XXXX XXXX 4. XXXX XXXX XXXX these following companies are in violation of the fair credit reporting act ive reach out to these companies multiple times and the have refuse to respond in a timely fashion... the violation are including but not limited to.. 
15 usc 1681b permissible purpose.. I never gave none of these companies permission to use my information. 15 usc 1681 s-2 states if a company is notified that the information they are reporting is inaccurate they must remove it or do a full investigation and show proof that information is accurate 15 usc 1681 c-2 any furnisher shall not report any information that the consumer deems to be identity theft

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 2024-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Fidelity National Information Services, Inc. (FNIS)
State: IL

Complaint narrative:
after carefully reviewing my Chex system consumer report I discovered information reporting that is inaccurate I believe is a result of identity theft Ive been a victim of identity theft before, after reviewing I believe my credentials was used to inquire for product and obtaining services without my consent I contacted the companies involved didnt receive any responses this is a serious matter I request that a investigation take place immediately to protect my rights as a consumer under 15 U.S.C 1681 s-2 Section A a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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
Consumer complaint received 2024-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
This consumer reporting agency is in violation of 15 U.S. Code 1666b. A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. I was not notified in the time frame. 
1. 15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT. PLEASE DELETE IMMEDIATELY. 
Any failure to respond without deletion of the accounts listed above and a free copy of my report after the changes have been made will result in the above actions being taken against your bureau. I will also be seeking {$1000.00} per violation. 
Violation of 15 U.S Code 1666b Defamation Sincerely, 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 2024-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-16 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: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Wells Fargo Dealer SVC, the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent.

Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization that I, the consumer, may have given you that was written, unwritten, verbal, or nonverbal per 15 USC 6802. Any and all consent to XXXX, XXXX, Wells Fargo Dealer SVC whether it be verbal, non-verbal, written, implied or otherwise is revoked. According to 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting 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 2024-01-16 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:
I am filing a formal complaint regarding identity theft that has adversely affected my financial well-being. I believe I am a victim of identity theft, and I am seeking your assistance in addressing and rectifying the fraudulent activities associated with my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-16 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: Kriya Capital, LLC
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXcredence XXXX XXXX XXXX XXXX XXXX XXXX XXXX  these following companies are in violation of the fair credit reporting act ive reach out to these companies multiple times and the have refuse to respond in a timely fashion... the violation are including but not limited to..

15 usc 1681b permissible purpose.. I never gave none of these companies permission to use my information. 15 usc 1681 s-2 states if a company is notified that the information they are reporting is inaccurate they must remove it or do a full investigation and show proof that information is accurate 15 usc 1681 c-2 any furnisher shall not report any information that the consumer deems to be identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-16 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: TX

Complaint narrative:
Experian, XXXX and XXXX are in violation is my consumer right by reporting these fraudulent account on my credit report. Below are the fraudulent account information : XXXX XXXX XXXX ( {$21000.00} ), XXXX XXXX ( {$25000.00} ). I need these account removed from my credit report as soon as possible.

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 2024-01-16 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: GA

Complaint narrative:
Experian does not have documentation to show these were in fact authorized it must be removed asap. Said company is liable under the SEC to follow certain rules. Experian commission file number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX . Experian is securitizing consumer data yet refuse to provide consumer a copy of their Consumer FILE not Consumer Report ... Experian is Also Refusing to Re-Investigate According to15 U.S.code 1681a & b Theres no written consent..

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 2024-01-16 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: TX

Complaint narrative:
XXXX, Transunion and XXXX are in violation is my consumer right by reporting these fraudulent account on my credit report. Below are the fraudulent account information : XXXX XXXX XXXX ( {$21000.00} ), XXXX XXXX  ( {$25000.00} ). I need these account removed from my credit report as soon as possible.

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 2024-01-16 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:
XXXX, XXXX and Equifax are in violation is my consumer right by reporting these fraudulent account on my credit report. Below are the fraudulent account information : XXXX XXXX XXXX ( {$21000.00} ), XXXX XXXX ( {$25000.00} ). I need these account removed from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-16 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: GA

Complaint narrative:
I am filing a formal complaint regarding identity theft that has adversely affected my financial well-being. I believe I am a victim of identity theft, and I am seeking your assistance in addressing and rectifying the fraudulent activities associated with my personal 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 2024-01-16 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:
I am filing a formal complaint regarding identity theft that has adversely affected my financial well-being. I believe I am a victim of identity theft, and I am seeking your assistance in addressing and rectifying the fraudulent activities associated with my personal 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 2024-01-16 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: CA

Complaint narrative:
I hot an alert on XXXX XXXX and XXXX and Equifax that a apartment has been reporting that I owe them money yet I've never had an apartment before I've tried disputing it and it won't go away. It's 2 apartments reporting on XXXX XXXX XXXX for almost XXXX and XXXX XXXX for almost XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-16 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: CA

Complaint narrative:
I hot an alert on XXXX XXXX and Experian and XXXX that a apartment has been reporting that I owe them money yet I've never had an apartment before I've tried disputing it and it won't go away. It's 2 apartments reporting on XXXX XXXX XXXX for almost XXXX and XXXX XXXX for almost 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 2024-01-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: UT

Complaint narrative:
Dear American Express, I hope that one of the representatives can call me to look deeper into the dispute that I have with XXXXXXXX XXXX The dispute number is : XXXX To sum it up, the dispute was rejected for 2 main reasons 1 ) The merchant agreed to take in the vehicle to fix it and 2 ) I signed on the sales agreement The truth is, the merchant blocked me after I sent them an inspection report from XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) that the car is still broken. They blocked my number and is unwilling to fix the vehicle. In addition, I never signed a sales agreement. If you take a look at the photo that the merchant provided on the receipt, the Merchant signed my name on the receipt without my knowledge. 


I have attached all the evidence in the CFPB report, please call me if you need additional information. In the CFPB report in XXXX, I received a resolution that someone tried to call me to collect information. However, I never received those calls. Please text and call me at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
This consumer reporting agency is in violation of 15 U.S. Code 1666b. A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I was not notified in the time frame. 
1. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap XXXX XXXX XXXX XXXX XXXX XXXX  Under 15 U.S Code 1681a ( 2 ) ( A ) ( i ) No transaction should be included in a credit report I demand you to remove this account.

2. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
3. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX XXXX XXXX XXXXXXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
4. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap XXXX Account Number : XXXX Under 15 U.S Code 1681a ( 2 ) ( A ) ( i ) No transaction should be included in a credit report I demand you to remove this account. 
As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT. PLEASE DELETE IMMEDIATELY. 
Any failure to respond without deletion of the accounts listed above and a free copy of my report after the changes have been made will result in the above actions being taken against your bureau. I will also be seeking {$1000.00} per violation. 
Violation of 15 U.S Code 1666b Defamation Sincerely, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
Dear Experian : Im responding to the verified no-change letter you sent me for collection account.

1. This account was PAID as AGREED. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2. Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
3. This account PAID and AGREED. 
XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
4. 15 U.S Code 1667b - Lessees liability on expiration or termination of lease XXXX Account Number : XXXX Please remove it from my credit report. 
5. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/2022 6. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, MD XXXX XX/XX/2022 7. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account is in violation XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
Based on your recommendation, I sent a letter to the collector asking for the proof of the debt but they never responded Its clear that the account is inaccurate because the collector did not send any valid proof. If they cant prove that the account is accurate, they can not report to the bureaus, according to the FCRA. Please remove this item from my credit report or your company will be in violation of the FCRA. 
Thank you Sincerely, 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 2024-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I continue to note inaccurate and inconsistent information reported by TransUnion including, Amount Past Due, Date Last Reported, Date Last Active, Date of Last Payment, and Last Payment Amount. In XX/XX/2023, I raised a concern with the credit reporting from TransUnion via CFPB XXXX # XXXX ( see attached ). While TransUnion inaccurately reported to CFPB that a response was issued to me as of XX/XX/2023, I received no such update on the case until well after CFPB 's Feedback Due Date of XX/XX/2023. By this time, I had already been denied credit in XXXX and XX/XX/2023 which further impacted the damage to my credit profile from incomplete and inaccurate information furnished by TransUnion. When I attempted to retrieve my credit reporting file from TransUnion, I received a message stating that it was unavailable in XX/XX/2023. TransUnion did not send a mail until XX/XX/2023, acknowledging that they had not sent any communication relative to the case within a timely manner ( see attached ). Additionally, TransUnion inaccurately reported to CFPB in XX/XX/2023 that updates were made to accounts referenced in CFPB XXXX # XXXX. TransUnion did not perform update both accounts as of the most recent credit reporting which shows a Last Update Dates that precede my raised investigation in XX/XX/2023. I have now requested proof on multiple occasions showing account details and contracts, which has not been provided by TransUnion. I have requested reinvestigations, which seemingly did not occur by TransUnion. I have been told accounts were updated by TransUnion, which they were not.

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