vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-12 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: CO

Complaint narrative:
I have submitted two CFPB complaints, XXXX & XXXX - Equifax XXXX & XXXX XXXX and still to date I am yet to receive what was requested by law from these XXXX agencies. XXXX has complied. The Consumer Financial Protection Bureau ( CFPB ) has supervisory and examination authority over our business and has in the past, and may in the future, initiate enforcement actions with regard to our compliance with federal consumer financial laws. Actions by the CFPB or other regulators against us or our executives could result in increased operating costs, reputational harm, payment of damages and civil monetary penalties, injunctive relief and/or restitution, any of which could have a material adverse effect on our business, results of operations and financial condition. 

The CFPB is authorized to prevent unfair, deceptive or abusive acts or practices through its regulatory, supervisory and enforcement authority. 

EQUIFAX AND XXXX are obligated by the FCRA to report accurate accounting. I have advised them of the accounts that resulted from fraud. By LAW, these companies had 4 days to remove the items, to date they are not removed. A FTC fraud report was filed along with CFPB and a statement from me the consumer. I am now requesting EQUIFAX AND XXXX to remove accounts immediately. I am not asking for an XXXX XXXX. SAID companies are liable under the SEC to follow certain rules. EQUIFAX Commission number XXXX, XXXX XXXX XXXX XXXX. I will be filing form XXXX treasury omb forms to audit consumers account. EQUIFAX AND XXXX are securitizing consumers data yet refuse to provide correct resolution per the LAW. Again, per, XXXX XXXX XXXX XXXX XXXX XXXX The Consumer Financial Protection Bureau ( CFPB ) has supervisory and examination authority over our business and has in the past, and may in the future, initiate enforcement actions with regard to our compliance with federal consumer financial laws. Actions by the CFPB or other regulators against us or our executives could result in increased operating costs, reputational harm, payment of damages and civil monetary penalties, injunctive relief and/or restitution, any of which could have a material adverse effect on our business, results of operations and financial condition. 

The CFPB is authorized to prevent unfair, deceptive or abusive acts or practices through its regulatory, supervisory and enforcement authority.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: InDebted Corporation
State: FL

Complaint narrative:
See attachment I paid the account in full and was supposed to be deleted from my file. However they gave me the roundabout.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: D.S. Erickson & Associates, PLLC
State: WI

Complaint narrative:
The statute of limitations for Wisconsin is 6 years. This debt was from 2012 and was closed and taken off my credit report. Recently received court papers stating wage garnishment. Was not even notified by certified mail of a judgement against me. Nevertheless, the statute of limitations has expired.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
According to consumer law, FCRA 15 U.S. Code 1681s-2-Responsibilities of furnishers of information to consumer reporting agencies ( a ) ( 1 ( A ) must provide accurate information and yall job to prohibit information with actual knowledge of errors and ( B ) keep reporting information after notice and confirmation of errors. IT MUST BE DELETED According to consumer law, FCRA 15 U.S. Code 1681i ( 5 ) Procedure in case of disputed accuracy. If a credit report has inaccurate, incomplete, or unverifiable information then it must be removed from my credit report.

This is a federal unethical practice which can lead to a litigation according to 15 US Code S 1681n Civil Liability for willful noncompliance. {$1000.00} per violation, you know the law. 

Company : XXXX Account # XXXX Violation XXXX Uploaded original contract from XXXX that verified my terms, they refused to delete the inaccuracy. 

Violation XXXX Last reported does not match XXXX say XXXX & Experian says XXXX Violation XXXX Date last active XXXX says XXXX & Experian says XXXX I have proof of all the errors. 

Per IdentityQ a trusted source for all XXXX credit bureaus I have blacked out certain items because these credit companies will copy and paste from my investigation rather than doing their job in investigations and fulfilling the law of consumer reporting I even reached out to the Attorney General concerning this matter of unethical consumer practices with legitimate factual reporting of errors of this account. 

XXXX has deleted this account due to the inaccuracies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
The company XXXX XXXX XXXX XXXX is reporting on my consumer report fraudulently. I have no knowledge of this collection account. XXXX XXXX XXXX XXXX also committed Identity Theft. On XX/XX/2023 XXXX XXXX XXXX XXXX pulled my credit report without my knowledge or authorization. This is a violation of the FDCPA and FCRA. See attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
See attachment I paid the account in full and was supposed to be deleted from my file. However they gave me the roundabout.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
According to consumer law, FCRA 1

5 U.S. Code 1681s-2-Responsibilities of furnishers of information to consumer reporting agencies ( a ) ( 1 ( A ) must provide accurate information and yall job to prohibit information with actual knowledge of errors and ( B ) keep reporting information after notice and confirmation of errors. IT MUST BE DELETED According to consumer law, FCRA 15 U.S. Code 1681i ( 5 ) Procedure in case of disputed accuracy. If a credit report has inaccurate, incomplete, or unverifiable information then it must be removed from my credit report. This is a federal unethical practice which can lead to a litigation according to 15 US Code S
1681n Civil Liability for willful noncompliance. {$1000.00} per violation, you know the law. 

Company : XXXX Account # XXXX Violation XXXX Uploaded original contract from XXXX that verified my terms, they refused to delete the inaccuracy. 

Violation XXXX Last reported does not match Transunion say XXXX & XXXX says XXXX Violation XXXX Date last active Transunion says XXXX & XXXX says XXXX I have proof of all the errors. 

Per IdentityQ a trusted source for all XXXX credit bureaus I have blacked out certain items because these credit companies will copy and paste from my investigation rather than doing their job in investigations and fulfilling the law of consumer reporting I even reached out to the Attorney General concerning this matter of unethical consumer practices with legitimate factual reporting of errors of this account. 

XXXX has deleted this account due to the inaccuracies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-12 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: CITIBANK, N.A.
State: PA

Complaint narrative:
Someone used my information XX/XX/2023 to apply for a MACY'S/CITIBANK credit card in my name. I did not give anyone permission to apply for any credit. I did not give anyone permission to use me as a cosigner. My credit score was so low ( XXXX ). I knew I would have never been able to get a credit card. Let alone a MACY 'S credit card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: NY

Complaint narrative:
Nelnet takes advantage of people by delaying SAVE Plan purposely to apply more interest. They caused me a lot of interest that could have been prevented. XXXX of their agents XXXX said over the phone that it was their mistake and they should have done the XXXX plan initially. Multiple of agents took verbal permission to do SAVE plan initially but it never went through and they never updated me in attempt to collect more interest. Also I asked them to follow up with XXXX University on a loan that does not belong to me as I never attended that university, Nelnet refuses to get involved. If they claim to be an honest servicer, they have to stand for whats right! They refuse any cooperation in XXXX matters I stated here which are using the time to ignore peoples XXXX XXXX request and postponing their request to collect more interest and not cooperating on the ongoing issue with XXXX University.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCF Intermediate Holdings LLC
State: AL

Complaint narrative:
This particular collection has been on my report since XX/XX/XXXX. According to the statute of limitations, a collection can only be on your report 7 years. + 180 days from when it became past due. XXXX purchased this debt in XXXX and it is still on my credit report, also they are still updating when it should be coming off. this year XX/XX/XXXX is when it should have came off. 
I am requesting for this account to be removed completely.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12 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: FL

Complaint narrative:
I have hard inquiries on my credit report thats needs to be removed from my credit report. The inquiries that needs to BE REMOVED FROM MY CREDIT REPORT WILL BE LISTED IN MY FTC 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 2023-11-12 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:
I have disputed these accounts multiple times theyre not mine & I am a victim of identity theft. I have sent XXXX XXXX & Experian proof of filed FTC Report & police report when I was assaulted & had my purse was stolen which included ID, credit cards & other sensitive information. I have been disputing & trying to resolve these accounts for months! I have reached out to creditors for original applications to verify information. Some arent responding & others are sending incorrect requested documents & XXXX XXXX / Experian is still reporting information accounts as verified & accurate. 

Below are the accounts that were opened in result to identity theft XXXXXXXX XXXX  XXXX XXXX {$410.00} ( XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX {$660.00} ( XXXX XXXX ) XXXX XXXX XXXX XXXX  - {$5500.00} ( XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX XXXX {$460.00} ( XXXX XXXX ) XXXXXXXX XXXX XXXXXXXX XXXX {$410.00} ( experian ) XXXX XXXX XXXX XXXX  XXXX {$660.00} ( experian ) XXXX XXXX XXXX XXXX - {$5500.00} ( experian ) XXXX XXXXXXXX XXXX - {$620.00} ( experian ) *I have supplied tracking # that I used for supporting information claim included on attached Receipt

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CL Holdings LLC
State: AL

Complaint narrative:
This debt has been on my credit report since XXXX, according to the statute of limitations, a collection can only be on my report for 7 years. JEFFERSON CAPITAL has repurchased this debt in XXXX and is making it remain on there when it should have been off earlier this year. I am asking for this account to be removed off my credit report seeing that it is year XXXX and soon about to be XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
According to consumer law, FCRA 15 U.S. Code 1681s-2-Responsibilities of furnishers of information to consumer reporting agencies ( a ) ( 1 ( A ) must provide accurate information and yall job to prohibit information with actual knowledge of errors and ( B ) keep reporting information after notice and confirmation of errors. IT MUST BE DELETED According to consumer law, FCRA 15 U.S. Code 1681i ( 5 ) Procedure in case of disputed accuracy. If a credit report has inaccurate, incomplete, or unverifiable information then it must be removed from my credit report. This is a federal unethical practice which can lead to a litigation according to 15 US Code S 1681n Civil Liability for willful noncompliance. {$1000.00} per violation, you know the law. 
Company : XXXX Account # XXXX Year:2017 Violation 1 Date of last payment does not match, which is correct?

Violation 2 Last reported does not match, which is correct?

Violation 3 Date last active, does not match, which is correct? 

XXXX  a trusted source for all 3 credit bureaus will verify the inaccurate findings. 

I am confused! 
After notifying XXXX and XXXX of this, they deleted the account due to the inaccuracies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: GA

Complaint narrative:
West lake took over my loan from us auto a started my payments over, then repossessed my car

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12 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: FC HoldCo LLC
State: TX

Complaint narrative:
XX/XX/2023 I noticed two hard inquiries on my account that I do not recognize nor did I authorized. 

XXXX. XXXX XXXX XXXX XXXX. Flagship Credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12 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: CO

Complaint narrative:
I have submitted two CFPB complaints, XXXX & XXXX - XXXX XXXX & XXXX TransUnion and still to date I am yet to receive what was requested by law from these two agencies. XXXX has complied. The Consumer Financial Protection Bureau ( CFPB ) has supervisory and examination authority over our business and has in the past, and may in the future, initiate enforcement actions with regard to our compliance with federal consumer financial laws. Actions by the CFPB or other regulators against us or our executives could result in increased operating costs, reputational harm, payment of damages and civil monetary penalties, injunctive relief and/or restitution, any of which could have a material adverse effect on our business, results of operations and financial condition. 

The CFPB is authorized to prevent unfair, deceptive or abusive acts or practices through its regulatory, supervisory and enforcement authority. 

XXXX AND TRANSUNION are obligated by the FCRA to report accurate accounting. I have advised them of the accounts that resulted from fraud. By LAW, these companies had 4 days to remove the items, to date they are not removed. A FTC fraud report was filed along with CFPB and a statement from me the consumer. I am now requesting XXXX AND TRANSUNION to remove accounts immediately. I am not asking for an e-oscar report. SAID companies are liable under the SEC to follow certain rules. XXXX Commission number XXXX, TRANSUNION Commission number XXXX. I will be filing form XXXX treasury omb forms to audit consumers account. XXXX AND TRANSUNION are securitizing consumers data yet refuse to provide correct resolution per the LAW. Again, per, THE SECURITIES EXCHANGE ACT OF 1934. The Consumer Financial Protection Bureau ( CFPB ) has supervisory and examination authority over our business and has in the past, and may in the future, initiate enforcement actions with regard to our compliance with federal consumer financial laws. Actions by the CFPB or other regulators against us or our executives could result in increased operating costs, reputational harm, payment of damages and civil monetary penalties, injunctive relief and/or restitution, any of which could have a material adverse effect on our business, results of operations and financial condition.

The CFPB is authorized to prevent unfair, deceptive or abusive acts or practices through its regulatory, supervisory and enforcement authority.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Someone used my information XX/XX/2023 to apply for a XXXX credit card in my name. I did not give anyone permission to apply for any credit. I did not give anyone permission to use me as a cosigner. My credit score was so low ( XXXX ). I knew I would have never been able to get a credit card. Let alone a XXXXXXXX XXXX credit card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To Whom It May Concern, I am a victim of identity theft. I checked my credit report and I noticed i have unauthorized credit inquires on my report. Inquiry XXXX XX/XX/2023, XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023, and XXXX XXXXXXXX XXXX XX/XX/2023 XXXX I have filed a FTC report, Report number : XXXX. I am writing to I request that Transunion, and XXXX REMOVE the inquires immediately from my credit file upon receipt of this correspondence. In addition, this is hurting my reputation and disabling me from applying for a car, a house, and anything that has to do with using my credit XXXX and credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-12 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: OneMain Finance Corporation
State: TX

Complaint narrative:
XX/XX/2023 I noticed two hard inquiries on my account that I do not recognize nor did I authorized. 

XXXX. One Main Financial XXXX. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am filing this complaint to address issues concerning inaccurate personal information and unauthorized fraudulent inquiries on my credit record. The items in question do not relate to me, and I request the immediate removal of this fraudulent 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 explanation
Consumer complaint received 2023-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am filing this complaint to address issues concerning inaccurate personal information and unauthorized fraudulent inquiries on my credit record. The items in question do not relate to me, and I request the immediate removal of this fraudulent information.

Company response to consumer: Closed with non-monetary relief