vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-30 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: RI

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian XXXX and XXXX is reporting a bankruptcy on my credit report and they have put in the data furnisher as the XXXX Bankruptcy XXXX XXXX XXXX which is false i have attach a letter from the XXXX Bankruptcy XXXX XXXXXXXX XXXX  verify and stating that they do not furnish information over to the credit bureau or any other credit monitoring services nor do they verify or validate any information concerning bankruptcy. Experian, XXXX and XXXX is falsely stating this information on my credit report and has yet to remove it form 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 2024-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
Upon receiving a copy of my credit report, I have identified the following item ( XXXX ) that contain inaccuracies : The following account are not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Please remove it from my credit report. 
In accordance with the provisions outlined in the Fair Credit Reporting Act, I hereby request a thorough investigation of these items and their subsequent removal from my credit report. It is my understanding that you will verify these items with the respective creditor. Any information that can not be verified by the creditor must be promptly removed. I am aware that as per 15 U.S.C. Sec. 1681i ( a ), this reinvestigation must be completed within 30 days upon receipt of this letter. 

Please send an updated copy of my credit report to the address provided above. According to the act, no fee should be charged for this updated report. Additionally, I kindly request that you notify any parties who have received my credit report within the past XXXX months of any necessary corrections. 

Thank you for your attention and assistance regarding this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
Upon receiving a copy of my credit report, I have identified the following item ( XXXX ) that contain inaccuracies : The following account are not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Please remove it from my credit report. 
In accordance with the provisions outlined in the Fair Credit Reporting Act, I hereby request a thorough investigation of these items and their subsequent removal from my credit report. It is my understanding that you will verify these items with the respective creditor. Any information that can not be verified by the creditor must be promptly removed. I am aware that as per 15 U.S.C. Sec. 1681i ( a ), this reinvestigation must be completed within 30 days upon receipt of this letter.

Please send an updated copy of my credit report to the address provided above. According to the act, no fee should be charged for this updated report. Additionally, I kindly request that you notify any parties who have received my credit report within the past six months of any necessary corrections. 

Thank you for your attention and assistance regarding this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
I received a letter from a company stating Im being sued for a debt on XX/XX/year>. I reached out to the company and they stated its from a student loan company and my wages will begin to be garnished. I do believe this debt to be untrue but seem to be not able to stop them from garnishing my wages.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: DISCOVER BANK
State: WI

Complaint narrative:
I made a purchase at XXXX on XX/XX/XXXX & was supposed to receive 5 % cash back for the {$810.00} purchase. The cash back period ended on XX/XX/XXXX. However the payment did not post until XX/XX/XXXX so they refused to give the 5 % cash back as advertised.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have sent multiple disputes to Transunion to resolve this isssue but they send me back a letter saying the unauthorized open sky bank account is verified. Transunion is not complying and allowing me the right to a fair credit report with only accurate and authorized information being reported. I request Transunion remove the OPEN SKY bank account asap and if they continue to report the innacurate and unauthorized account then I will sue them under the FCRA

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-29 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: Waypoint Resource Group, LLC
State: TX

Complaint narrative:
I'm not liable for this debt with XXXX XXXX XXXX. I do not have a contract with XXXXXXXX XXXX, they did not provide me with wet signature contract as requested in accordance with FCRA Fair Credit Reporting Act. XXXX XXXX XXXX has violated my rights, 15 USC1681 section 602A. 15 USC 1681 section 604A section 2 15 USC 1681c ( a ) ( 5 ), 15USC1681s-2 ( A ) ( 1 )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I was a victim of identity theft and I have 23 hard inquirys on my credit report with XXXX that I didnt apply for credit also Equifax where someone applied for things using my personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I was a victim of identity theft and I have 23 hard inquirys on my credit report with XXXX that I didnt apply for credit also XXXX where someone applied for things using my personal information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
As per complaint XXXX, transgene continues to reinvestigate the XXXX XXXX account listed on my credit report. I did not ask for a reinvestigation from TransUnion, I asked them to follow through with the removal of the account as they had stated on the previous response to my complaint. They continue to reinvestigate and update this same XXXX XXXX account as it is still listed on my report. 
They previously stated that this account had been removed from my credit report. I have received numerous updated reports with XXXX XXXX still showing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX : XXXX XXXX. 

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency , block this fraudulent information within four business days of receipt of this complaint.

The following accounts, which I did not open or authorize, are fraudulent and should be removed from my report : A personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX, under account number XXXX. 
A credit card account opened at XXXX on XX/XX/XXXX, under account number XXXX with a balance of {$150.00}. 
A utility installment account opened at XXXX on XX/XX/XXXX, under account number XXXX with a balance of {$190.00}. 

These accounts have resulted in several fraudulent collections and charge-offs appearing on my consumer FICO credit report, which highlights the fraudulent items in question. 

Please be advised that I do not recognize or acknowledge these accounts, collections, or charge-offs as they were not initiated by me. All of these items are the direct result of identity theft and fraud. 

In addition, I have enclosed a copy of the Federal Trade Commission ( FTC ) Identity Theft Complaint ( # XXXX ) as verification that these consumer credit accounts, collections, and inquiries are the result of identity theft and should be blocked from my report as per the requirements of the FCRA. 

Thank you for your prompt attention to this matter. I look forward to the swift correction of my credit file. 

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 2024-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
EQUIFAX Has now returned to my credit report, an account that is in charged-off status which is the result of credit card fraud. Fraudulent charges began in XXXX, and led to the charge-off in XXXX. I had NO participation these charges were made against my credit card account WITHOUT my knowledge, authorization, or participation of ANY kind. They are the result of IDENTITY THEFT. I have already once submitted a CFPB complaint, along with my FTC identity theft report, and valid identification, however I have been refused my rights as afforded to me by the FAIR CREDIT REPORTING ACT. This is now my XXXX attempt, after more then a month has passed since the first, with no action taken by the companies involved ( XXXX, XXXX, XXXX, Equifax ). I am supplying all the documentation required in FCRA 605 ( b ) ( 15 U.S.C. 1681c-2 ) for the credit reporting agencies to BLOCK all information within 4 business days. ( SEE XXXX ) I DEMAND that this FRAUDULENT use of my credit cards, a result of IDENTITY THEFT and resulting in the negative information on my credit reports, be no longer incorrectly reported on my credit reports. I also DEMAND that ALL negative information pertaining to this credit card account be BLOCKED within 4 business days and REMOVED from my credit report, as I had no involvement in these unauthorized charges and therefore am not liable for them. I have attached a POLICE REPORT with XXXX XXXX XXXX, in regards to the fraudulent use of said credit card. The Account number for the XXXX  XXXX credit card I am referring to is : ( ACCOUNT NUMBER XXXX - XXXX XXXX ). This will be my last attempt before I pursue litigation if my rights are continuously violated. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-30 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: Fidelity National Information Services, Inc. (FNIS)
State: VA

Complaint narrative:
Name : XXXX XXXX XXXX Consumer ID : XXXX Date of Birth : XX/XX/XXXX SSN : XXXX ID Type : Drivers License ID Number : XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am writing to request an investigation of the following information that appears on my XXXX XXXX XXXX  consumer report. I have NEVER opened or used the following account numbers : XXXX  : XXXX XXXX XXXXXXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX XXXX  : XXXX XXXX  ( Open Date : XX/XX/XXXX ) Account # XXXX Routing # XXXX I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my XXXX XXXX XXXX report immediately! Ive attached a copy of the report to this request. 
Thank you for your assistance. 
Sincerely, 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 2024-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 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: GA

Complaint narrative:
Dear XXXX : This letter serves as a formal complaint regarding acct # XXXX In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681section 604a section 2 it also states a consumer reporting agency can not furnish and account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card on an open and consumer credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-29 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: GA

Complaint narrative:
Dear XXXX XXXX  This letter serves as a formal complaint regarding acct # XXXX In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681section 604a section 2 it also states a consumer reporting agency can not furnish and account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card on an open and consumer credit plan as late for any purpose

Company response to consumer: Closed with non-monetary relief