vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-14 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: DE

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 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: DE

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items 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 2022-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
This is a re-submission of a complaint I made over 30 days to Equifax via this complaint process ( XXXX ). Equifax has never followed up nor acknowledged the problem I outlined in the earlier complaint. My hope is that the CFPB can motivate Equifax to correct the problem. 

Since XX/XX/XXXX, I have written four certified letters ( attached ) to Equifax regarding inaccuracies and FCRA violations of the XXXX XXXX XXXX XXXX account # XXXX on my Equifax credit report. They have not corrected the multiple problems I have pointed out to them nor have they included my Notice of Dispute for this account which is required to be done within 30 days of being notified. I have also reported to them that clear evidence of re-aging has occurred with this account. All of these actions are clear FCRA violations. According to Title 15 U.S. Code 1681i : Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable re-investigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. The XXXX  account is shown in red on the attached letters with specific inaccuracies and FCRA violations which as of XX/XX/XXXX still have not been corrected : 1. ) An incorrect Date of Last Activity 2. ) Not listing my Notice of Dispute within 30 days of my notifying them. 3. ) An incorrect Payment History and Date of Last Payment 4. ) Clear re-aging of this account This account needs to be deleted immediately due to inaccuracies and clear FCRA violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 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: WHEELS FINANCIAL GROUP, LLC.
State: FL

Complaint narrative:
I have several inquiries on my credit report that should be removed because I do not recognize the creditors and I did not apply to receive a loan, credit card, or anything else with them. I recently have gotten an overload of spammy emails and phone calls about loans, winning cash prizes, etc. I also have reported with my credit card companies fraudulent charges on my accounts and have since gotten all new account and card numbers. 

On my XXXX credit report there are 3 inquiries that need to be removed : - XXXX XXXX  XX/XX/XXXX ( have called them and keep getting put on hold - nothing resolved ) -XXXX XXXX XX/XX/XXXX ( have not heard back, nothing resolved ) -XXXX XXXX  XX/XX/XXXX ( I only applied for 1 car lease directly through the dealership... this is not the dealership. I have no idea what this is and it definitely was not authorized. ) On my XXXX credit report the following inquiries are fraudulent and should be removed : -800 LOAN MARTXXXX XXXXXX/XX/XXXX ( I have a vehicle I lease already. I definitely did not apply for an auto loan. This is fraudulent. Have not heard back from them. ) -XXXX XXXX XX/XX/XXXX XXXX This is a used auto dealer. I leased a new XXXX. No idea what this is. Can't get ahold of them. ) Lastly, XXXX XXXX keeps charging me late payments on my XXXX  loans when I have an extension for several more months now, legally in accordance with a federal bill signed. I have explained this to them and have asked them to stop reporting the account late because it's illegal and I made it known that my account should reflect my promise to pay, and that the late payments are being unnecessarily and falsely reported. No response. They have terrible ratings on the XXXX  for similar instances with other individuals. I would like a letter of deletion from them to the bureaus, but no luck so far.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 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: Nelnet, Inc.
State: FL

Complaint narrative:
I have several inquiries on my credit report that should be removed because I do not recognize the creditors and I did not apply to receive a loan, credit card, or anything else with them. I recently have gotten an overload of spammy emails and phone calls about loans, winning cash prizes, etc. I also have reported with my credit card companies fraudulent charges on my accounts and have since gotten all new account and card numbers. 

On my XXXX credit report there are 3 inquiries that need to be removed : - XXXX XXXX XX/XX/XXXX ( have called them and keep getting put on hold - nothing resolved ) -XXXX  XXXX XX/XX/XXXX ( have not heard back, nothing resolved ) -XXXX XXXX XX/XX/XXXX ( I only applied for 1 car lease directly through the dealership... this is not the dealership. I have no idea what this is and it definitely was not authorized. ) On my XXXX credit report the following inquiries are fraudulent and should be removed : XXXX XXXX XXXX XX/XX/XXXX ( I have a vehicle I lease already. I definitely did not apply for an auto loan. This is fraudulent. Have not heard back from them. ) XXXX XXXX XX/XX/XXXX XXXX This is a used auto dealer. I leased a new XXXX. No idea what this is. Can't get ahold of them. ) Lastly, FM/FIRSTMARK SERVICES keeps charging me late payments on my student loans when I have an extension for several more months now, legally in accordance with a federal bill signed. I have explained this to them and have asked them to stop reporting the account late because it's illegal and I made it known that my account should reflect my promise to pay, and that the late payments are being unnecessarily and falsely reported. No response. They have terrible ratings on the XXXX for similar instances with other individuals. I would like a letter of deletion from them to the bureaus, but no luck so far.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I sent out a dispute letter to the company and the credit bureaus and I was sent a letter stating they will not reinvestigate the account that was not verified. They would not provide me information regarding what was the method of verification who they spoke to etc

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 2022-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I dispute this debt to TransUnion that this was business debt that doesnt belong to me personally and that this in ligation. I disputed this to TransUnion on or around XX/XX/XXXX. A business debt that when I work for this company in XXXX. I was a XXXX  of the company not the owner. I noticed it was put on my personal credit report and not their business credit report which should not aloud to be added to mine personally credit report. TransUnion claim that it will stay on my personal credit after they did their investigation.

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 2022-04-14 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: SC

Complaint narrative:
There are XXXX different XXXX ( personal loan ) accounts on my Experian report. All of these are delinquent. NONE of them are mine. I have called XXXX & they have confirmed that my social security #, email, phone number are NOT associated with any account. Yet, they are still showing as delinquent on my Experian account. Neither XXXX or XXXX show these things.

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 2022-04-14 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: NC

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX  Account ( XXXX  # XXXX, ) Account XXXX # XXXX, # XXXX, # XXXX ) Account ( XXXX/XXXX  # XXXX, # XXXX, # XXXX ) Account ( XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX  # XXXX ) Account ( XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Account XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX  # XXXX ) Account ( XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX  # XXXX ) Account ( XXXX  XXXX  ( Original Creditor : XXXX  # XXXX ) Account ( XXXX/XXXX  # XXXX ) Account ( XXXX XXXX XXXX XXXX # 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 a 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 non-monetary relief
Consumer complaint received 2022-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
despite both the FTC identity affidavit brief provided and filed XXXX XXXX sherriffs police report - equifax is the only bureau refusing to take action and remedy the effects of identity theft on my credit report. 

I am flabbergasted and dumbfounded by how the victim is being victimized by a " consumer '' agency that I previously thought of as the hero and not the villain as they are here. 

Please compel them to stop throwing salt on my proverbial open wound. Next step is to litigate them but I want to make sure I file this complaint to their regulatory board so that they are held accountable for this blatant disregard of consumer rights ( and human decency )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC
State: FL

Complaint narrative:
On XX/XX/21 I borrowed {$1200.00} from LoanAtLast. The effective date was XX/XX/21. My first payment was due XX/XX/21 & money was taken from me weekly at {$160.00}. The APR was not given to me until after the agreement was signed. I financed {$1200.00} at a 702.32 % APR. I paid {$160.00} on XX/XX/21, XX/XX/21 & so on, weekly. This is predatory lending at its finest and I am beyond XXXX this happened to me. I am young & I didnt understand what was going on.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 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:
I have credit card balance thats incorrect and credit cards thats was closed with no balance showing up with a balance. Information that was supposed to be removed still on there for get it now. Bankruptcy that was supposed to be removed still popping up. XXXX account that was removed now back on my credit report. Credit scores keep going down after Ive did credit repair and talked to consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have credit card balance thats incorrect and credit cards thats was closed with no balance showing up with a balance. Information that was supposed to be removed still on there for get it now. Bankruptcy that was supposed to be removed still popping up. XXXX account that was removed now back on my credit report. Credit scores keep going down after Ive did credit repair and talked to consumer.

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 2022-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I had a car in XX/XX/XXXX it was total out XX/XX/XXXX charged off XXXX but reappear XXXX. I got XXXX XXXX filed a dispute with trans union never resolved then I gor another car charged off XXXX reappeared same thing filed a dispute never resolved

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 2022-04-14 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 1. XXXX XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

2. XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

3. XXXX XXXX XXXX XXXX Account # 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 2022-04-14 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account numbers : XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX - Acct # XXXX XXXXXXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX have violated my rights.

15 U.S.C 1681 Section 602A states I have the right to privacy.

15 U.S.C. 1681 section 604A, 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 non-monetary relief
Consumer complaint received 2022-04-14 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: NC

Complaint narrative:
I have a auto loan for a car with XXXX XXXX. I don't even own possession of the vehicle with the account they have me associated with that is still open. 
1. Account is reporting with 3 different amounts of high credit. 

If this is the same account being reported by the same creditor, why are my XXXX XXXX Account, XXXX XXXX Account, and my XXXX  account have different amounts? 

In accordance with the fair credit reporting act XXXX  Account # 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 a 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 non-monetary relief
Consumer complaint received 2022-04-14 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I have a auto loan for a car with XXXX XXXX. I don't even own possession of the vehicle with the account they have me associated with that is still open. 
1. Account is reporting with 3 different amounts of high credit. 

If this is the same account being reported by the same creditor, why are my XXXX XXXX Account, XXXX XXXX Account, and my XXXX  account have different amounts? 

In accordance with the fair credit reporting act XXXX  Account # 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 a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 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: NC

Complaint narrative:
I have a auto loan for a car with XXXX XXXX. I don't even own possession of the vehicle with the account they have me associated with that is still open. 
1. Account is reporting with 3 different amounts of high credit. 

If this is the same account being reported by the same creditor, why are my XXXX XXXX Account, XXXX XXXX Account, and my experian account have different amounts? 

In accordance with the fair credit reporting act XXXX  Account # 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 a 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 2022-04-14 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have consistently been fighting to have this account permanently removed since 2018. I am very stressed because Ive been fighting for YEARS. I am a victim of Identity Theft. Someone broke into my car and charged thousands on my at the time XXXX credit card. I sent in multiple police reports, ftc reports, written letters, statements and all and the credit bureaus always says its valid. I even had a letter showing the account was deemed fraud yet they have held me responsible for over 4 years. I am tired. Now, they havent even reported anything in 2 years but still on my report as negative.

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