vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-16 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: NY

Complaint narrative:
In order to REMIND the Experian Credit Bureau that there has been no involvement from a third party, I am emailing them this complaint. My private or sensitive information can not be used by them to legally contact third parties for any reason. Fraud is defined as the absence of consent. The false information listed below is affecting my ability to build credit. I demand that Experian BUREAU MUST DO THEIR JOB PROPERLY and immediate removal of these fraudulent items XXXX XXXX XXXX Balance : {$360.00} XXXX XXXXXXXX  Balance : {$0.00} XXXX  XXXX XXXX Balance : {$1000.00} XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/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 2023-08-16 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:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-08-16 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: CA

Complaint narrative:
It has been drawn out into the open that you are not hindering items when I sent a copy of the FTC report. I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, IL XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/2022 XXXX XXXXXXXX XX/XX/2022

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 2023-08-16 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:
It has been drawn out into the open that you are not hindering items when I sent a copy of the FTC report. I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, IL XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX  XX/XX/2022 XXXX XXXX XX/XX/2022

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16 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: CA

Complaint narrative:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2021 XXXX **** XXXX : {$3900.00} XXXX OF XXXX XXXX XXXX : {$8700.00}

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 2023-08-16 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: SC

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$110000.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$15000.00}

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 explanation
Consumer complaint received 2023-08-16 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: GA

Complaint narrative:
At this point, I am exhausted and begging to please help me find counsel to represent against XXXX XXXX, XXXX, Equifax, XXXX, and any other credit bureau reporting this on my credit. I have been traumatized and at XXXX, can lose my life due to the severe stress this has caused because of it reporting on the credit bureaus. It is not reporting on XXXX but is reporting on XXXX and Equifax as of today. I have been fighting this for years but have Officially reported through your institution since XX/XX/2023. The final letter from XXXX XXXX and from XXXX stated that they requested the information from four bureaus since XXXX of 2023 but it is still reporting and I can not move into a retirement home because of the one collection on my account that I SWEAR does not belong to me. Anything that says I did not pay for it, it is not mine. I do not leave bills behind and NOT pay. I have before paid bills that did not belong to me but this one is so big that I could not afford to do so. XXXX XXXX also sent me a letter stating that the investigation has confirmed that it was a result of Fraud but it is still reporting on XX/XX/2023. Please help me file suit or whatever your service will help me because this has cost me a home, high interest rate where I pay a huge interest on my car payment, I have had to pay higher insurance rate, and was turned down for credit to assist me. I was told it would be removed by both the originating company, XXXX XXXX, and the Collection agency. This has cost me tremendously at the End of my life where I can't even assist my Children and my grand children when they need it. I don't mean to be nasty about it but I'm exhausted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 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: GA

Complaint narrative:
At this point, I am exhausted and begging to please help me find counsel to represent against XXXX XXXX, XXXX, XXXX, Experian, and any other credit bureau reporting this on my credit. I have been traumatized and at XXXX, can lose my life due to the severe stress this has caused because of it reporting on the credit bureaus. It is not reporting on XXXX but is reporting on Experian and XXXX as of today. I have been fighting this for years but have Officially reported through your institution since XX/XX/2023. The final letter from XXXX XXXX and from XXXX stated that they requested the information from four bureaus since XXXX of 2023 but it is still reporting and I can not move into a retirement home because of the one collection on my account that I SWEAR does not belong to me. Anything that says I did not pay for it, it is not mine. I do not leave bills behind and NOT pay. I have before paid bills that did not belong to me but this one is so big that I could not afford to do so. XXXX XXXX also sent me a letter stating that the investigation has confirmed that it was a result of Fraud but it is still reporting on XX/XX/2023. Please help me file suit or whatever your service will help me because this has cost me a home, high interest rate where I pay a huge interest on my car payment, I have had to pay higher insurance rate, and was turned down for credit to assist me. I was told it would be removed by both the originating company, XXXX XXXX, and the Collection agency. This has cost me tremendously at the End of my life where I can't even assist my Children and my grand children when they need it. I don't mean to be nasty about it but I'm exhausted.

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 2023-08-16 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
At this point, I am exhausted and begging to please help me find counsel to represent against XXXX XXXX, LVNV, XXXX, XXXX, and any other credit bureau reporting this on my credit. I have been traumatized and at XXXX, can lose my life due to the severe stress this has caused because of it reporting on the credit bureaus. It is not reporting on XXXX but is reporting on XXXX and XXXX as of today. I have been fighting this for years but have Officially reported through your institution since XX/XX/2023. The final letter from XXXX XXXX and from LVNV stated that they requested the information from four bureaus since XXXX of 2023 but it is still reporting and I can not move into a retirement home because of the one collection on my account that I SWEAR does not belong to me. Anything that says I did not pay for it, it is not mine. I do not leave bills behind and NOT pay. I have before paid bills that did not belong to me but this one is so big that I could not afford to do so. XXXX XXXX also sent me a letter stating that the investigation has confirmed that it was a result of Fraud but it is still reporting on XX/XX/2023. Please help me file suit or whatever your service will help me because this has cost me a home, high interest rate where I pay a huge interest on my car payment, I have had to pay higher insurance rate, and was turned down for credit to assist me. I was told it would be removed by both the originating company, XXXX XXXX, and the Collection agency. This has cost me tremendously at the End of my life where I can't even assist my Children and my grand children when they need it. I don't mean to be nasty about it but I'm exhausted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
XX/XX/2023 Navient XXXX XXXX XXXX XXXX XXXX, PA. 
XXXX To Whom XXXX XXXX Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. I have the right to request validation of the debt that you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding me to pay this debt. 

This is NOT a request for verification or proof of my mailing address, but a request for VERIFICATION made pursuant to 15USC 1692g Sec. 809 ( b ) of the FDCPA. I nicely request that you provide me with competent evidence that I have any legal obligation to pay you. 

Please know that if you have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX ), this action will constitute fraud under both federal and state laws. If any negative mark is found or continues to report on any of my credit reports by your company, I will bring legal action against you for violating my rights. 

Furthermore, according to 15 U.S. Code 6802 ( b ) - Obligations with respect to disclosures of personal information ( 1 ) In general A financial Institution may not disclose nonpublic personal information to non affiliated third party unless : A : such financial Institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; B : the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and C : the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
If you fail to respond to this validation request within 30 days days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 

Signed, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 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: SC

Complaint narrative:
This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, SC XXXX XX/XX/2021 XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$2400.00}

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 2023-08-16 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:
I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 

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 2023-08-16 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: CA

Complaint narrative:
I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 

XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16 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: GA

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-08-16 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: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX  XXXX XXXX and XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
To whom this may concern, My name is XXXX XXXX and I am about to close on a house. The day I was suppose to transfer the remaining amount to close the house ( XXXX ) I was getting email intrusions on how and where to wire the amount to. The emails that were instructing me looked exactly the same as all the agents that were involved in the transactions and had the same email signature. I went to Wells Fargo and did the wire transfer which went through yesterday ( XX/XX/XXXX ) and found out about the fraud today ( XX/XX/XXXX ). Please someone help me this is all the money I have saved and worked hard for over the years. I have an XXXX XXXX XXXX boy and XXXX XXXX XXXX daughter. We are currently XX/XX/XXXXand have sold our condo which was the money that we wired. I have attached the fraud account that was sent to me. XXXX XXXX is the bank that received me money which was not the right bank.

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 2023-08-16 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: NV

Complaint narrative:
My credit report is showing late payments to XXXX XXXX XXXX and XXXX  XXXX BANK NA XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditor 's customer service representative.

Company response to consumer: Closed with non-monetary relief