vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-17 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: NY

Complaint narrative:
I, XXXX XXXX XXXX, am a victim of identity theft. I did not consent to, authorize, or benefit from the following accounts/inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX Attached below is a copy of my FTC Identity Theft report. I also have multiple addresses, names and employers on my consumer report that may be due to association with said fraudulent accounts. Please remove that false information as well.

Also attached below are copies of my drivers license, social security card and recent utility bill with my current address. I have also mailed each of the major 3 Consumer Reporting Agencies via certified mail on this matter. 
I fully authorize the CRAs and I am not an unauthorized third party.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I have reviewed my credit report and reached out to each credit bureau ( Trans Union ) ( XXXX ) to be provided no assistance with my issue. I do not and continue not to recognize inquiries on my credit report as I previously explained to the representatives on at least 8 occasions.

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 2021-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I filed a complaint with CFPB on XXXX about Comenity Bank and XXXX XXXX. CFPB sent me the results of the complaint after the company responded. The company me a letter saying to write them with the account number. How would I know the account number when the account was opened through Identity Theft? I would like this taken off my credit because it is affecting my credit score. The original complaint number is XXXX. Thanl you for your assistance,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-17 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: NY

Complaint narrative:
My credit report shows that I have a {$13000.00} student loan through XXXX XXXX XXXX that do not belong to me. I have file disputes with Trans Union and XXXX through XXXX XXXX and both agencies responses claim it belongs to me. I have never filed for a student loan in the past and now that I intend to start school and may need a loan, this false loan with XXXX XXXX XXXX is hindering my advancement.

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 2021-09-17 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:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 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: The Bureaus, Inc.
State: OH

Complaint narrative:
I have contacted The Bureau and XXXX XXXX on a matter that pertains to my credit. I have been a victim of fraud. I sent The Bureaus and XXXX XXXX a copy of my FTC affidavit via certified mail. I have an account on my credit that I did not open nor did I authorize. Prior to sending the affidavit I sent a letter to The Bureaus and XXXX XXXX to remove this fraudulent information from all three credit bureaus ( XXXX, XXXX, XXXX ) and The Bureaus and XXXX XXXX disregarded my request. I take pride in my credit and I have a XXXX score on my credit bureaus. This fraudulent account is ruining my credit to the extreme. A consumer can not provide signed documentation for an fraudulent account that they never authorized but I also asked for a signed documentation bearing my signature that I agreed to pay The Bureaus and XXXX XXXX collection agencies could not provide that information. I want this information removed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Please remove these fraudulent accounts listed in the dispute letters attached. I sent this company my dispute stating these accounts were fraudulent. It is XX/XX/21 and the accounts are still showing on my credit report. THAT IS ILLEGAL UNDER FCRA 605B LAW. you are criminally & civilly liable. I XXXX XXXX, have created and submitted this dispute solely and only for me. Do not respond stating otherwise. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I went to XXXX 's website and requested a credit report for the first time and they couldn't pull one on me but had enough info to do a fraud alert initially. I am the victim of identity theft scam and fraud and financially vulnerable. I believe I should get a exited fraud alert and a security freeze with them and copy of my credit report for free all done. I am in am also the victim of a violent assaults crime where as to there my address is confidential where as to my residence. the credit beau 's and banks and credit company 's and ssa all have to abide by that state and federal statue. and seal my residence address completely. to and redact it off any credit file or baking account.

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 2021-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I went to XXXX 's website and requested a credit report for the first time and they couldn't pull one on me but had enough info to do a fraud alert initially. I am the victim of identity theft scam and fraud and financially vulnerable. I believe I should get a exited fraud alert and a security freeze with them and copy of my credit report for free all done. I am in am also the victim of a violent assaults crime where as to there my address is confidential where as to my residence. the credit beau 's and banks and credit company 's and ssa all have to abide by that state and federal statue. and seal my residence address completely. to and redact it off any credit file or baking account.

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 2021-09-17 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: TX

Complaint narrative:
After carefully reviewing my credit report, I've noticed you are reporting errors which are hurting my good name. I need your immediate attention on this matter Account Name : XXXX XXXX Account Number : XXXX How is it possible the account was ( paid, closed ) yet there are no dates indicating when it was updated? 
When was it closed? 
When was it paid? 
What amount was paid? 
Why is it being reported as a collection an entire year after the date is was suppose to be ( paid, closed ) Where is all the previous data with current payments? 

This information is very inaccurate and incomplete Delete for inaccurate data being furnished on my credit file.

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 2021-09-17 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: MS

Complaint narrative:
Transunion and XXXX are violating my rights by reporting a debt that I do not owe!!!! They are violating 15 usc 1692g and 15 U.S. Code 1692j - Furnishing certain deceptive forms a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. ( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter. According to this law XXXX XXXX XXXX is clearly creating a false impression that I owe a debt to them thats definitely not owed!!!! They are pretending to be collecting a debt on behalf of XXXX XXXX XXXX  which is not true! XXXX XXXX XXXX  has no interest in this debt, therefore by Transunion and XXXX reporting this debt they are in violation of the law according to the FCRA and FDCPA!!!! It is clear that XXXX and Transunion are in violation especially because XXXX has already removed the erroneous information from my file. They have done so because they know by reporting this unvalidated debt they would be violating the law which is punishable pursuant 15 usc 1692k in the amount of XXXX dollars per violation per day that they refuse to abide by the law!!!! XXXX and Transunion are also violating 15 usc 1681e ( b ) by not accurately reporting the information to my consumer file!!!! Its their job as a reporting agency to accurately validate and verify all information before reporting the data to my consumer file!!! They have both failed to do so!!!!! XXXX, XXXX XXXX XXXX, and Transunion are violating 15 usc 1692d ( 4 ). I have provided a letter from XXXX XXXX XXXX  saying that they have no ownership of this debt and have no financial interest in this debt! I have also provided my identification so that XXXX and Transunion know that I submitted this complaint. I do not owe XXXX XXXX XXXX anything and this letter proves it!!! They are committing the crime according to the FTC called debt parking!!!! Ive also provided an example of what happened to another company that was in violation of the laws mentioned above!

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 2021-09-17 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I sent a 609 dispute letter to XXXX, Equifax and XXXX on XX/XX/21. It has been over 30 days and they have yet to provide me with the results of the investigation. They have been reporting inaccurate Information. I have also sent a demand to comply letter on XX/XX/21 to the Bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I have reviewed my credit report and reached out to each credit bureau ( XXXX XXXX ) ( Experian ) to be provided no assistance with my issue. I do not and continue not to recognize inquiries on my credit report as I previously explained to the representatives on at least 8 occasions.

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 2021-09-17 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: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
I have contacted XXXX  XXXX and Portfolio Recovery on a matter that pertains to my credit. I have been a victim of fraud. I sent XXXX  XXXX and Portfolio Recovery a copy of my FTC affidavit via certified mail. I have an account on my credit that I did not open nor did I authorize. Prior to sending the affidavit I sent a letter to XXXX XXXX and Portfolio Recovery to remove this fraudulent information from all three credit bureaus ( XXXX, XXXX, XXXX ) and XXXX XXXX and Portfolio Recovery disregarded my request. I take pride in my credit and I have a XXXX score on my credit bureaus. This fraudulent account is ruining my credit to the extreme. A consumer can not provide signed documentation for an fraudulent account that they never authorized but I also asked for a signed documentation bearing my signature that I agreed to pay XXXX XXXX and Portfolio Recovery collection agencies could not provide that information. I want this information removed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
i need your help in a serious matter involving my credit report. After reviewing my credit, I have realized that you are reporting damaging information to my name. 
Please review the following Account Name : XXXX XXXX Account # : XXXX You are reporting this account as late, delete for inaccurate reporting attached is a letter from XXXX  XXXX proving the late payment 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 2021-09-17 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I agreed to make the full payment if the credit card removed the delinquency from my report when I was informed they rejected the original payment I made by the payment due date. I submitted FULL payment but now the company is refusing to removed the delinquency from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 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: MD

Complaint narrative:
I have submitted complaints about the same thing for months.

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 2021-09-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: OH

Complaint narrative:
I have a collection account from JEFFERSON CAPITAL SY on my credit report. They are reporting unvalidated information on my credit report and are saying I owe them money. I am requesting that the unvalidated information is blocked and removed from my credit report immediately and I want a copy of such deletion request sent to me. 15 US Code 1681a ( 2 ) states that any consumer reporting 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. You are in violation block and remove unless debt is validated. The amount of the account is for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 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: LA

Complaint narrative:
There are accounts and personal information that are showing on my credit report that are not mine. I've called, written letters and etc and still no solution to this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 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: NY

Complaint narrative:
I, XXXX XXXX XXXX, am a victim of identity theft. I did not consent to, authorize, or benefit from the following accounts/inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX Attached below is a copy of my FTC Identity Theft report. I also have multiple addresses, names and employers on my consumer report that may be due to association with said fraudulent accounts. Please remove that false information as well.

Also attached below are copies of my drivers license, social security card and recent utility bill with my current address. I have also mailed each of the major 3 Consumer Reporting Agencies via certified mail on this matter. 
I fully authorize the CRAs and I am not an unauthorized third party.

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 2021-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
on XX/XX/2021 address has been wrongfully placed on my credit report BY your office and you are being held responsible from here on your currently reporting incorrect is XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX this address is undeliverable by the US Postal Service AND SHOULD BE DELETED/REMOVED IMMEDIATLEY. 
to whom this may concern I want to inform your office that you are in violation of fcra and fdcpa. you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of addresses that are reporting are not deliverable by us postal service and has not been approved by me I have no knowledge of them, be advise by law I have the right to PRIVACY and you the credit reporting agencies have violated it. 
EQUIFAX, XXXX  AND XXXX ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods and undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It Is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information In a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Credit & Collection, Inc.
State: TX

Complaint narrative:
nationwide credit is very fraudulent they call my phone numerous amount of time, including the am and afternoon as soon as I say I do not owe the debt they report to XXXX. I had to dispute this issue multiple times. XXXX resolved this issue however they still allow them to report it numerous amount of time. The balance nation wide Credit company claim I owe is XXXX dollars. They are located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX IL, XXXX. They are so rude and well mess up your credit score from XXXX to XXXX with sending disinformation to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
Since my questions are being disregarded. Pertaining to the auto transaction I received using my consumer credit, If you provided me funds in the form of a loan, Can you provide me with an actual document pursuant to GAAP ( General Accepted Accounting Principles ) pursuant to 12 U.S.C 1831n, showing where the money left your ( Navy Federal Auto Loan ) account to fund this alleged debt?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation